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Misleading or Confusing Debt Collection Letter

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

The Fair Debt Collection Practices Act (FDCPA) requires that debt collectors provide consumers with certain information in their first communication or within a short time thereafter. However, the complaint for this class action brings suit against IC System, Inc. (ICS) for a debt collection letter that is not the first communication but which may confuse consumers with a vague reference to consumer rights that are not listed in the letter. The complaint brings suit under the FDCPA and Wisconsin state law.

Old-Fashioned Telephone in Circle with Strikethrough

The Fair Debt Collection Practices Act (FDCPA) tries to make sure that third-party debt collectors give consumers all the information they need to make judgments about their alleged debts and their payment. The complaint for this class action alleges that Online Information Services, Inc. (OIS) provided confusing information, in violation of the FDCPA, and failed to provide a telephone number as required by Wisconsin state law.

Ball and Chain Marked "DEBT"

The complaint for this class action finds two problems with a debt collection letter sent to consumers by Firstsource Advantage, LLC: a requirement for consumers to call Firstsource in order to accept a settlement offer, and an unclear deadline. The complaint brings suit under the Fair Debt Collection Practices Act (FDCPA).

Bill Stamped with Words "Past Due"

In this class action, the complaint alleges that Professional Debt Mediation, Inc. (PDM) “misrepresented” the plaintiff’s rights to obtain the name and address of the original creditor and “improperly demanded that he pay a debt in full, regardless of whether he knew the identity of the current creditor.” It brings suit under the Fair Debt Collection Practices Act (FDCPA), which tries to preserve the rights of consumers against third-party debt collectors.

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

The Fair Debt Collection Practices Act (FDCPA) attempts to protect consumer debtors by requiring that third-party debt collectors provide certain information. Some of that information concerns debts that are “stale” or “time-barred” so that the debtor can no longer be sued for them. The complaint for this class action brings suit against Credit Control, LLC and LVNV Funding, LLC, alleging that they did not properly notify consumers about the effect of payments on such stale debts.

Bill Stamped with Words "Past Due"

The Fair Debt Collection Practices Act (FDCPA) is meant to protect consumers from abuses and unfair tactics used by third-party debt collectors for consumer debt. The complaint for this class action alleges that Convergent Outsourcing, Inc. violated this law in send a debt collection letter to a consumer for money she claims she did not owe.

Judge's Gavel Resting on Stand

The Fair Debt Collection Practices Act (FDCPA) was designed to prevent abuse or unfair practices when third-party debt collectors try to collect consumer debts. The complaint for this class action alleges that Phoenix Financial Services, LLC violated the FDCPA in its various attempts to collect a medical debt from the plaintiff in this case.

Pile Made of Repetitions of Word DEBT

The Fair Debt Collection Practices Act (FDCPA) tries to help consumers who owe debts by forbidding abuse and requiring clarity, accuracy, and information about the debtor’s rights. The complaint for this class action details multiple alleged violations of the FDCPA by a single defendant—Nationwide Credit, Inc.—on behalf of three consumers. The problems lie in the notice of validation rights.

Bill Stamped with Words "Past Due"

The Fair Debt Collection Practices Act (FDCPA) requires that debt collectors provide certain information to consumer debtors, either at the first communication or within five days thereafter. One of those pieces of information is the amount of the debt, including whether and how the amount will increase. The complaint for this class action alleges that Universal Fidelity, LP has sent out debt collections letters that do not state the amount of the debt at all. 

Person Buried Under Letters D-E-B-T

Different states have different statutes of limitations for consumer debts. After it expires, the consumer can no longer be sued for the debt. However, even a small payment can revive it, and the person can once again be sued. The complaint for this class action alleges that Midland Credit Management, Inc., in trying to collect a debt for Midland Funding, LLC, did not inform consumer that if they paid anything on the debt, they could once again be sued. The complaint says this violates the Fair Debt Collection Practices Act (FDCPA).

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