Skip to content Skip to navigation

Unlawful Debt Collection

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. 

Hand Thrust Out for Money

The complaint for this class action alleges that Lawgix Lawyers, LLC, Lawgix, Inc., and attorney Michael D. Johnson provided false contact information in legal documentation. US Bank, NA is also named as a defendant, because the contact number provided went to US Bank and because the filings concerned a debt with US Bank that had already been satisfied. The complaint brings its allegations under the Fair Debt Collection Practices Act (FDCPA).  

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).

Bill with "Final Notice" Stamped in Red

The Fair Debt Collection Practices Act (FDCPA) tries to prevent abusive or misleading practices by third-party debt collectors who collect debts from consumers. The complaint for this class action says that Dynamic Recovery Solutions, LLC does not provide adequate information about disputing debts in its collection letters and even discourages consumers from disputing the debts.

Gavel on Desk

The Fair Debt Collection Practices Act (FDCPA) requires that certain information must be conveyed to consumers up front during attempts at collection. This information must not just be stated; it must be stated clearly, so that consumers are not confused, and sometimes conspicuously, so that consumers do not miss important information. This complaint alleges that Enhanced Recovery Company, LLC did not make its validation notice either clear or conspicuous.

Letters "DEBT" with Ladder Leaning Against "D"

The complaint for this class action takes issue with the amount of debt and minimum payment due as set forth in a debt collection letter from Client Services, Inc., as well as other information. The law it cites is the Fair Debt Collection Practices Act (FDCPA).

Papers on Clipboard Saying "Debt Collection"

This complaint brings suit against Convergent Outsourcing, Inc. under the Fair Debt Collection Practices Act (FDCPA). At issue are two debt collection letters Convergent is apparently sending around to consumers, which the complaint says are misleading or confusing and violates the FDCPA in several respects.

Bill with Words "Final Notice" Stamped in Red

The Fair Debt Collection Practices Act (FDCPA) tries to ensure that consumer debtors are provided with all the information they need to make informed choices and are not confused or misled. The complaint for this class action alleges that Central Credit Services, LLC (CCS) violates the FDCPA because its deadline for special offers appears to conflict with the consumer’s right to verification of the debt.

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

When evaluating a debt collection letter under the Fair Debt Collection Practices Act (FDCPA), the normal standard for whether a debt collector has made things clear is whether the “least sophisticated consumer” would understand the meaning or be confused by it. Most of this complaint concerns allegations that a debt collection letter sent out by Capital Management Services, LP is not as clear as required by the law.

Ball and Chain Marked "DEBT"

At issue in this case are not just the usual violations of the TCPA and the Fair Debt Collection Practices Act (FDCPA). It is Comenity Bank NA’s alleged practice of calling the friends and family of debtors. The complaint put its central charge this way: “Comenity has a corporate policy of repeatedly contacting family and friends of debtors … using this as a tool to humiliate and embarrass debtors as well as to intentionally cause aggravation and annoyance to their relatives and friends.”

Pages