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Unlawful Debt Collection

Papers on Clipboard Saying "Debt Collection"

The collection letters sent out by Midwest Receivable Solutions, LLC are deficient in two ways, says the complaint for this class action: They do not tell the recipient that requests for validation of the debt should be made in writing and they are confusing about the amount of the debt. According to the complaint, they both violate the federal Fair Debt Collection Practices Act (FDCPA) as well as the Wisconsin Consumer Act (WCA).

Hand Reaching Out in a Request for Money

The Fair Debt Collection Practices Act (FDCPA) requires that consumer debtors be given certain information when third-party debt collectors attempt collection. The complaint for this class action claims that RSI Enterprises, Inc. did not fulfill the legal requirements in leaving voicemail messages in connection with its attempts to collect a debt. The complaint cites an earlier court case as saying that the law forbids the “failure to disclose in the initial … communication with the consumer … that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose.”

Bill Stamped with Words "Past Due"

What can a consumer do when they call to dispute a debt and the debt collector refuses to even take note of the dispute? The complaint for this class action claims that the refusal to accept a dispute of a debt is a violation of the Fair Debt Collection Practices Act (FDCPA).

Foreclosure For Sale Sign in Front of House

Trott Law is putting up $7.5 million to settle a class action alleging that it violated the Fair Debt Collection Practices Act (FDCPA) and the Michigan Regulation of Collection Practices (RCPA) in its letters sent in connection with non-judicial foreclosures in Michigan.

Bill Stamped with Words "Past Due"

The complaint for this class action alleges that debt collection letter sent out by Nationwide Credit & Collection, Inc. (NCC) was truly confusing as to the total amount the consumer owed. It quoted an amount, but made vague reference to “other accounts” which may be owed. The lack of clarity, the complaint says, is a violation of both the Fair Debt Collection Practices Act (FDCPA) and the Wisconsin Consumer Act (WCA). 

Papers on Clipboard Saying "Debt Collection"

Consumers have a right to dispute their debts within a certain period of time after receiving a debt collection letter. In fact, a notice of consumers’ rights of dispute is one of the things that the Fair Debt Collection Practices Act (FDCPA) requires to be provided to consumers. The complaint for this class action claims that Midland Credit Management, Inc. (MCM) refused to accept such a dispute from a consumer, and that it provided misleading information about the amount of the debt.

Bill Stamped with Words "Past Due"

One of the important pieces of information that a consumer debtor is entitled to is the name of the current owner of the debt. So says the Fair Debt Collection Practices Act (FDCPA). However, the complaint for this class action claims that a debt collection letter sent by LTD Financial Services, LP does not provide this information. It also alleges that the letter sets false deadlines on settlement offers.

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

The complaint for this class action takes United Collection Bureau (UCB) to task for violating the Fair Debt Collection Practices Act (FDCPA), but unfortunately it is not specific as to the respect in which the company has violated the law. 

Hand Reaching Out

Under the Fair Debt Collection Practices Act (FDCPA), consumers are entitled to know the amount they owe and whether that amount may increase over time with the addition of interest, fees, or other charges. This class action alleges that Midland Credit Management (MCM) violated the FDCPA with a debt collection letter that implied that the amount of the debt could go up when that was not true. 

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