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FDCPA

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

The Fair Debt Collection Pratices Act (FDCPA) tries to protect consumers from misinformation, undue pressure, and deception, among other things. This complaint claims that debt collectors Solomon and Solomon, PC violated the law by falsely implying in their collection letters that consumer debtors would be better off financially in paying their debts immediately.

Hand Out for Payment

If you believe you owe $250 to a creditor, but the debt collector says you owe over $300, what can you do? The Fair Debt Collection Practices Act (FDCPA) says you can dispute a portion of a debt. But the complaint for this class action alleges that a collection letter from Rosenthal Morgan and Thomas, Inc. doesn’t properly inform debtors of this right.

Debt Papers with "Final Notice" in Red

The Fair Debt Collection Practices Act (FDCPA) tries to protect consumers from abusive, unfair, or misleading debt collection activites by third-party debt collectors. The debt collection letter from Rubin Lublin, LLC described by the complaint for this class action sounds like it’s all three—abusive, unfair, and misleading. Among other things, it contains a demand that overshadows the plaintiff's rights, threatens him with a lawsuit that cannot legally be brought, and pressures him to make a payment that would make the lawsuit possible again.

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

The Fair Debt Collection Practices Act (FDCPA) tries to ensure that consumers have accurate information about their rights and their debts, and that all information is clear, so that consumers can make the best possible decisions about when and how to pay their debts. The  complaint for this class action claims that debt collector McCarthy, Burgess & Wolff, Inc. violated the law by failing to make clear the amount of the debt and whether or not that amount is still increasing. 

Debt Ball and Chain

The complaint for this class action claims that debt collector Enhanced Recovery Company, LLC, failed to make plain the current creditor to whom debts are owed in its debt collection letters to consumers. This complaint alleges that this is a violation of the Fair Debt Collection Practices Act (FDCPA).

Money Passing from One Hand to Another

The Fair Debt Collection Practices Act (FDCPA) seeks to provide consumers with clarity about what they owe and what their rights are under the law. The complaint for this class action claims that Carson Smithfield, LLC violated the law by sending a second debt collection letter that overshadowed information contained in the first.

Papers on Clipboard Saying "Debt Collection"

The complaint for this class action claims that the debt collection letter sent out by Forster & Garbus was confusing about the total amount of the debt due and the minimum payment needed to stop collection actions. The Fair Debt Collection Practices Act (FDCPA) requires that consumer debt collection letters be clear and unambiguous and provide certain information, and the complaint points out several ways in which the Forster & Garbus fails to meet these requirements. 

Graduate with Ball and Chain

You’d think that a company that sues people for student loan debts would have to prove that they owned the debt. But this complaint claims that the defendants in this class action can’t do that. 

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

Is a debt collector responsible if a consumer is confused by general information on its website? The complaint for this class action claims that CMRE Financial Services, Inc. is, because it sent a debt collection letter that specifically directed the recipient to its website for information.

Debt Ball and Chain

The Fair Debt Collection Practices Act (FDCPA) intends to curb abuse by third-party debt collectors and ensure that consumer debtors have adequate information to make the best decisions possible as to what to do about debts. The complaint for this class action claims that Synergetic Communication, Inc. and Community Health Network, doing business as EOS CCAA, violated the FDCPA with the collection letter sent to the plaintiff in this case. The letter does not make clear that the debt is time-barred, that no one can currently sue for it, but that a payment may revive the statute of limitations and the ability to sue.

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