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FDCPA

Bill Stamped with Words "Past Due"

One of the important pieces of information that a consumer debtor is entitled to is the name of the current owner of the debt. So says the Fair Debt Collection Practices Act (FDCPA). However, the complaint for this class action claims that a debt collection letter sent by LTD Financial Services, LP does not provide this information. It also alleges that the letter sets false deadlines on settlement offers.

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

The complaint for this class action takes United Collection Bureau (UCB) to task for violating the Fair Debt Collection Practices Act (FDCPA), but unfortunately it is not specific as to the respect in which the company has violated the law. 

Hand Reaching Out

Under the Fair Debt Collection Practices Act (FDCPA), consumers are entitled to know the amount they owe and whether that amount may increase over time with the addition of interest, fees, or other charges. This class action alleges that Midland Credit Management (MCM) violated the FDCPA with a debt collection letter that implied that the amount of the debt could go up when that was not true. 

Pile Made of Repetitions of Word DEBT

The Fair Debt Collection Practices Act (FDCPA) tries to ensure that consumer debtors receive accurate and clear information about their debts so that they can make good decisions about how best to handle them. The complaint for this class action alleges that a debt collection letter is unclear about whether amounts are still be added to a debt and how long the “Total Account Balance” will remain accurate. 

Bill Stamped with Words "Past Due"

The complaint for this class action takes issue with a series of debt collection letters from Transworld Systems, Inc. that it says violate both the Fair Debt Collection Practices Act (FDPA) and the Wisconsin Consumer Act (WCA). At issue are confusing or misleading statements about the amount of the debt, the length of time the settlement offer is available, and whether the settlement would constitute full payment of the debt.

Bill with Words "Final Notice" Stamped in Red

The Fair Debt Collection Practices Act (FDCPA) requires that debt collectors tell consumers of their rights to validate the debt. The complaint for this class action claims that debt collector I. C. System, Inc. (ICS) provided misleading information about these rights in its letter to the plaintiff, thus violating the FDCPA as well as the Wisconsin Consumer Act (WCA).

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

One tactic that debt collectors have used to scare consumers into paying is to imply that they are getting into circumstances over their heads because attorneys or government entities are involved. The complaint for this class action claims that the reference to filing a form with the Internal Revenue Service (IRS) in a debt collection letter was one such scare tactic, and that such tactics are illegal under the Fair Debt Collection Practices Act (FDCPA).

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

If a debt collector does not properly identify the original creditor for a debt, it’s difficult for a consumer to know if she in fact owes the debt. The complaint for this class action claims that a debt collection letter from Northstar Location Services, LLC falsely identified the original creditor, making the letter misleading and confusing. Misleading and confusing debt collection letters are a violation of the Fair Debt Collection Practices Act (FDCPA).

One Hand Giving Another Money

The complaint for this class action claims that a debt collection letter sent out by MCS Claims Services, Inc. does not give the letter’s recipient notice of her right to dispute the debt. Failing to do this, the complaint says, is a violation of the Fair Debt Collection Practices Act (FDCPA).

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