Unlawful Debt Collection

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.

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.

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.”

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.

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.

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.

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. 

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).

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. 

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.