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FDCPA

Ball and Chain Marked "DEBT"

Plaintiff Chelsea Leonard received a debt collection letter with a serious, threatening tone: “All reasonable efforts to resolve your seriously delinquent account have been exhausted. This is our final notification... Arrangements must be made immediately to avoid credit bureau reporting to the three major credit reporting agencies for up to seven years.” The complaint for this class action claims that this letter is a violation of the Fair Debt Collection Practices Act (FDCPA), in threatening negative action it cannot legally take.

One Hand Paying Another

In trying to collect a consumer debt, the complaint for this class action alleges, Affiliate Asset Solutions violated the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and the Texas Debt Collection Act (TDCA). Essentially, Affiliate repeatedly called a third party’s cell phone without permission and spoke to him about another party’s debt. 

Person Buried Under Letters D-E-B-T

The Fair Debt Collection Practices Act specifies information that must be provided to a consumer within five days of the first contact by a debt collector. The complaint for this class action claims that the debt collection letter sent by Valentine & Kebartas, LLC to plaintiff Dena Witt omits both the name of the current creditor and the fact that Witt’s alleged debt is still accruing interest or fees. 

Enhanced Recovery Company Logo

The Fair Debt Collection Practices Act (FDCPA) requires that, within five days of a debt collector’s initial contact with a consumer, it provide certain information, including the consumer’s right to dispute the debt. The complaint for this class action claims that Enhanced Recovery Company, LLC did not provide information in its letter to plaintiff Avrohom Bluming about his right to dispute the debt or any portion of it.

Figure Carrying Letters D-E-B-T on Its Back

The Fair Debt Collection Practices Act (FDCPA) is aimed at preventing the use of abusive methods or false information in the collection of debts. The complaint for this class action claims that Frontline Asset Strategies, LLC and JH Portfolio Debt Equities, LLC have violated this law in the initial debt collection letter sent to plaintiff Andre Boggerty, which informed him that he could only dispute the debt in writing.

Papers on Clipboard Saying "Debt Collection"

One of the most important pieces of information a debtor wants to know is who has the right to collect the debt—that is, who the current creditor is. The complaint for this class action claims that the collection letter sent by Client Services, Inc. fails to make that clear, in violation of the Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act (TDCA).

Money Given from Hand to Hand

One of the purposes of the Fair Debt Collection Practices Act (FDCPA) is to ensure that debtors are not confused by the information in debt collection letters. The complaint for this class action claims that the debt collection letter sent out by the Law Offices of Robert J. Colclough, III have violated this provision in not making clear who the current creditor is or to whom the debt must be paid. 

2004 Kia Sorrento

In the middle of the night between June 6 and June 7, 2018, says the complaint for this class action, a company repossessed the vehicle of Israel and Marcia Bernal. This, it says, was illegal under both the Fair Debt Collection Practices Act (FDCPA) and the Wisconsin Consumer Protection Act (WCA) because the company had not fulfilled all the requirements of Wisconsin law. 

Debt Papers with "Final Notice" in Red

One of the main points of the Fair Debt Collection Act (FDCPA) is that debt collection letters should be absolutely clear to consumer debtors, so that they will not misinterpret them and can make the best decision possible under the circumstances. In this case, the complaint claims that LTD Financial Services Limited Partnership violated the FDCPA because it does not make sufficiently clear that settlement offers may be repeated. 

Figure Carrying Letters D-E-B-T

The Fair Debt Collection Practices Act (FDCPA) sets forth many requirements for debt collection letters and the clarity of information that must be present to debtors. The complaint for this class action alleges that defendants Vital Recovery Services, Inc. and LendingClub Corporation did not meet the requirements for clarity about the amount owed when attempting to collect a debt from plaintiff George William Lynch.

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