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Misleading or Confusing Debt Collection Letter

Person Buried Under Letters D-E-B-T

The complaint for this class action takes issue with a number of items in a debt collection letter sent by United Tranzactions, LLC. The complaint says these items, explained below, violate both the federal Fair Debt Collection Practices Act (FDCPA) and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

Convergent Outsourcing Logo

State laws limit how long a consumer may be sued over a debt. Once that time period has expired, debt collectors cannot sue to collect. However, if the consumer makes a payment after that, the right to sue may be revived. The complaint for this class action alleges that Convergent Outsourcing violated the Fair Debt Collection Practices Act (FDCPA) when it did not warn consumers with expired debts that any payment they made might revive its right to sue them. 

Sequium Logo on Computer Screen

The Fair Debt Collection Practices Act (FDCPA) sets forth rules for the collection of consumer debts by third-pary debt collectors. The complaint for this class action claims that Sequium Asset Solutions, LLC violated the FDCPA because the use of the word “immediately” twice in the initial communication letter allegedly overshadows the allowance of a thirty-day period to dispute the debt.

Collision Damage to Car

Imagine you rent a car for a day and return it without incident. Three months later, out of the blue, you’re dunned by a debt collector for over $1,300 worth of damage to the car. The complaint for this class action claims that this kind of thing has happened to many people who rented from Hertz Corporation rental companies, where the first they hear of “damage” is a letter from debt collector Viking Billing Service.

Papers on Clipboard Saying "Debt Collection"

The complaint for this class action brings suit under the federal Fair Debt Collection Practices Act (FDCPA) and the Wisconsin Consumer Act (WCA), for debt collection letters to the two plaintiffs in this case that the complaint alleges were misleading and deceptive. One concerns a debt that was discharged in bankruptcy; the other concerns a misleading statement about the “Last Activity Date.”

Portfolio Recovery Associates Logo

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.

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