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FDCPA

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Debt collectors know many ways to mislead consumers and to pressure them into paying their debts, sometimes at the cost of other needed expenses. The Fair Debt Collection Practices Act (FDCPA) was passed, among other things, to try to stop debt collectors from misleading consumers. The complaint for this class action alleges that Portfolio Recovery Associates, LLC sent a letter to consumer debtors which violates the FDCPA.

Ball and Chain Marked "DEBT"

The complaint for this class action takes issue with a rather odd collection letter, which consists mostly of a single paragraph typed nearly entirely in capital letters—a practice sometimes identified as shouting. The letter is from Christal & Smith Enterprises, Inc., which does business as JVS Group, Inc. The complaint claims that the information in the letter is not just deceptive and misleading but also intended to be demeaning to the recipient, in violation of the Fair Debt Collection Practices Act (FDCPA). It then defines a class that is based on a different violation of the FDCPA, the failure to name the current creditor.

Stacks of Coins and Miniature Home

What’s wrong with telling a mortgage borrower that if they don’t pay their arrears, their loan will be accelerated? The complaint for this class action alleges that the debt collector, Seterus, Inc., was merely pressuring the borrowers, that it never intended to accelerate the loan and would accept any monthly amount on the arrears instead. The statement is therefore deceptive and misleading, and designed merely to pressure the borrowers.

Clipboard with Words "Debt Collection"

The Fair Debt Collection Practices Act (FDCPA) tries to protect consumers from abuses and misstatements by third-party debt collectors. The complaint for this class action claims that Account Services Collections, Inc., one of those third-party debt collectors, violated the FDCPA because it was not clear about the party to whom the debt was owed. 

Debt Ball and Chain

The complaint for this class action alleges that Convergent Outsourcing, Inc. presented debt reduction arrangements as once-only, limited-time offers. The complaint says the offers would have been accepted at any time and their presentation as needing to be paid by a certain date violated the provisions of Fair Debt Collection Practices Act (FDCPA) by being misleading.

Bill Stamped with Words "Past Due"

If consumer debtors want to dispute their debts, how may they do that? The complaint for this class action claims that they may call as well as write letters, and that the debt collection letter from Commonwealth Financial Systems, Inc. is misleading under the Fair Debt Collection Practices Act (FDCPA).

Bill with Words "Final Notice" Stamped in Red

The Fair Debt Collection Practices Act (FDCPA) tries to limit abusive debt collection practices in a number of ways. For example, it requires that third-party debt collectors provide clear information on important matters, such as the amount of the debt owed. The complaint for this class action alleges that Genpact Services, LLC did not do that in a recent debt collection letter.

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

Not all consumers understand that they cannot be sued for a consumer debt once the statute of limitations on it expires. But perhaps even fewer know that if they make a single payment after that, the statute of limitations may be restarted, and that they can again be sued for the debt. The complaint for this class action claims that Contract Callers, Inc. violated the Fair Debt Collection Practices Act (FDCPA) by not making this clear to consumers.

Bill with Words "Final Notice" Stamped in Red

The Fair Debt Collection Practices Act (FDCPA) tries to prevent third-party debt collectors from misleading or confusing consumer debtors. The complaint for this class action claims that GC Services Limited Partnership has violated that law in its misleading presentation of the debt amount in its debt collection letter. 

Letters D-E-B-T with Ladder Against D

The Fair Debt Collection Practices Act (FDCPA) requires third-party debt collectors to provide clear and accurate information about consumer debts, so that ordinary people can make the best decisions possible about when and how to pay their bills. The complaint for this class action claims that the collection letter sent by Nationwide Credit, Inc. violates this law because it is unclear on both the amount of the debt and how the consumer may dispute the debt.

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