Skip to content Skip to navigation

Misleading or Confusing Debt Collection Letter

Debt Ball and Chain

One of the most important things debtors needs to know is the amount they owe and whether that amount is stable or increasing. The Fair Debt Collection Practices Act (FDCPA) tries to ensure that consumer debtors are provided with all the information they need to make the best decisions about paying their debts. But the complaint for this class action claims that Alltran Financial, LP 

Hand Out to Receive Payment

The complaint for this class action alleges that Allied Interstate, LLC has violated the Fair Debt Collection Practices Act (FDCPA) and the Wisconsin Consumer Act (WCA) with collection letters sent to four different plaintiffs. The complaint alleges that the letters are confusing with respect to (a) the amount now due, and (b) whether the letter is seeking to collect the full amount of the debt or a smaller one.

Papers on Clipboard Saying "Debt Collection"

The Fair Debt Collection Practices Act (FDCPA) tries to ensure that consumer debtors receive all the information needed about their debts and certain rights as soon as they are contacted by debt collectors. The complaint for this class action says that a letter from First Federal Credit Control, Inc. violates the FDCPA in that it misstates that consumer’s right to verification of the debt. 

Hand Reaching Out to Demand Payment

The Fair Debt Collection Practices Act (FDCPA) tries to keep third-party debt collectors from various forms of abusive or deceptive behavior. At issue in this case, the complaint claims, is Security Credit System, Inc.’s attempt to charge an extra 2.5% processing fee for debts paid with a credit card.

Bill with Words "Final Notice" Stamped in Red

Diamond Resorts Management, Inc. collects debts for various owners’ associations of timeshare condos, associations and resorts. In this class action, the complaint alleges that Diamond does not follow the Fair Debt Collection Practices Act (FDCPA) in its collection activities, in particular by not informing consumers of their rights to dispute the debt or any part of it.

Hand Giving Dollars Bill to Other Person's Hand

Debt collectors will try many tactics to get consumers to pay up on debts. The Fair Debt Collection Practices Act (FDCPA)—and the ability to sue under it—tries to ensure that their tactics are neither abusive nor misleading. The complaint for this class action alleges that debt collector GC Services Limited Partnership used deceptive statements in an attempt to get a consumer to pay up quickly. 

Papers on Clipboard Saying "Debt Collection"

The Fair Debt Collection Practices Act (FDCPA) seeks to make third-party debt collectors follow standards of clarity and honesty when collecting consumer debts. Among other things, it requires that debt collectors make clear the amount of the debt and whether or not the debt is still accruing interest. This complaint claims that a debt collection letter from LTD Financial Services, LP did not do this. Also, LTD did not accept the plantiff’s oral dispute of the debt.

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

Third-party debt collectors must make clear to consumers the amount of debt that is owing, says the Fair Debt Collection Practices Act (FDCPA). But the complaint for this class action claims that Capital Management Services, LP did not do this in its debt collection letter because it did not make clear that interest and fees were still accruing. 

Papers on Clipboard Saying "Debt Collection"

One of the things required by the Fair Debt Collection Practices Act (FDCPA) is that the amount of a consumer’s debt be stated clearly and unambiguously. This may seem simple and obvious, but when a company implies that a debt may be growing, it can also act as pressure on the consumer to pay up quickly. The complaint for this class action alleges that AllianceOne Receivables Management, Inc. uses this tactic in some of its debt collection letters.

Pile Made of Repetitions of Word DEBT

The Fair Debt Collection Practices Act (FDCPA) aims to make debt collectors provide consumers with sufficient information that they can make intelligent choices about when and how to pay their debts. The complaint for this class action claims that Capital Management Services (CMS), LP did not do so, because it did not make clear the total amount of the debt. 

Pages