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Unlawful Debt Collection

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.”

Bill Stamped with Words "Final Notice"

The complaint for this class action alleges that Duane Morris, LLP and two of its attorneys, Ruth P. Clayton and Danielle Rundlett Burns, have violated two debt collection laws. The laws are the Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Collection Practices Act (FCCPA), both of which deal with consumer debt. The allegations include incorrect wording, false statements, and communicating with the debtor rather than the representing attorney.

Ball and Chain Marked "DEBT"

Telemarketing is on most people’s lists of everyday annoyances, yet companies still do it. The complaint for this class action alleges that Client Services, Inc. is yet another violator of the Telephone Consumer Protection Act (TCPA), for attempts to collect debt using automated calling to consumer cell phones.

AMR Ambulance Showing Company Markings

The complaint for this class action brings suit under the Telephone Consumer Protection Act (TCPA) but also under California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA). It claims that American Medical Response Ambulance Service, Inc., which does business as AMR, placed debt collection calls in ways that violate the two laws.

Courtroom Gavel

The complaint for this class action alleges that debt collectors CACH, LLC and Messerli & Kramer, PA violate the Fair Debt Collection Practices Act (FDCPA) as well as the Nebraska Consumer Protection Act (NCPA) when they file against consumers in the Nebraska courts. 

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).

Hand Giving Dollars Bill to Other Person's Hand

The Fair Debt Collection Practices Act (FDCPA) tries to ensure that consumer debtors are given information clearly and unambiguously. The complaint for this class action alleges that a collection letter from Paul Michael Associates was unclear and confusing as to whom the debt was currently owed. 

Comenity Logo

It’s bad enough to be a victim of identity theft, as plaintiff Lori Ann Gonzales was. But what if you were then pursued for the debts? The complaint in this class action says Comenity Capital Bank pursued Gonzales for debts that were not hers and did not follow the legal requirements for claims of identity theft. 

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

Debt collectors are not permitted to use any means they choose to hound a consumer debtor into paying. While the federal Fair Debt Collection Practices Act lays down some ground rules, state laws may be even stricter. The complaint for this class action alleges that Select Portfolio Servicing, Inc. (SPS) violated the Massachusetts Consumer Protection Act (MCPA) and the Massachusetts Debt Collection Regulations (MDCR) by calling consumers as many as eight times in a week. 

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. 

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