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Unlawful Debt Collection

Sign for Bankruptcy Court

Because of the increasing importance of credit reports these days, consumers must work to maintain good credit ratings. Unfortunately, they must also work to make sure the information handed out by the reporting agencies is accurate. This class action alleges claims against debt collector Select Portfolio Servicing, Inc. (SPS), for continuing to send out inaccurate information, and the three major credit reporting companies, for continuing to report it without conducting a proper investigation. 

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.

Fingers Crossed Behind Back

Plaintiff Sharon Silberman was shocked when her employer told her that her wages would be garnished by Pollack & Rosen, PA, due to a judgment against her from a lawsuit. She claims it was the first time she had heard anything about the lawsuit. The complaint for this class action alleges that Pollack & Rosen did not bother to properly serve her with notice of the suit, hoping for an easy default judgment against her.

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. 

Person Buried Under Letters D-E-B-T

The Fair Debt Collection Practices Act tries to ensure that consumer debtors have accurate information so that they can make the best decisions possible about when and how to pay their debt. This complaint claims that the letter from Stevens Business Services, Inc. to consumer debtors does not permit that because it is unclear about future increases in the amount of the debt.

Bill with Words "Past Due" Stamped in Red

Midland Credit Management, Inc. appears periodically as a defendant in debt collection cases. In this case, the complaint alleges that a debt collection letter sent by the company was misleading. The debt was time-barred, but the complaint claims that the letter did not give full information on that, as required by the Fair Debt Collection Practices Act (FDCPA).

Letters D-E-B-T with Ladder Against D

The Fair Debt Collection Pratices Act (FDCPA) tries to protect consumers from misinformation, undue pressure, and deception, among other things. This complaint claims that debt collectors Solomon and Solomon, PC violated the law by falsely implying in their collection letters that consumer debtors would be better off financially in paying their debts immediately.

Hand Out for Payment

If you believe you owe $250 to a creditor, but the debt collector says you owe over $300, what can you do? The Fair Debt Collection Practices Act (FDCPA) says you can dispute a portion of a debt. But the complaint for this class action alleges that a collection letter from Rosenthal Morgan and Thomas, Inc. doesn’t properly inform debtors of this right.

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