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Unlawful Debt Collection

Pile Made of Repetitions of Word DEBT

The Fair Debt Collection Practices Act (FDCPA) tries to ensure that consumer debtors receive accurate and clear information about their debts so that they can make good decisions about how best to handle them. The complaint for this class action alleges that a debt collection letter is unclear about whether amounts are still be added to a debt and how long the “Total Account Balance” will remain accurate. 

Bill Stamped with Words "Past Due"

The complaint for this class action takes issue with a series of debt collection letters from Transworld Systems, Inc. that it says violate both the Fair Debt Collection Practices Act (FDPA) and the Wisconsin Consumer Act (WCA). At issue are confusing or misleading statements about the amount of the debt, the length of time the settlement offer is available, and whether the settlement would constitute full payment of the debt.

Bill with Words "Final Notice" Stamped in Red

The Fair Debt Collection Practices Act (FDCPA) requires that debt collectors tell consumers of their rights to validate the debt. The complaint for this class action claims that debt collector I. C. System, Inc. (ICS) provided misleading information about these rights in its letter to the plaintiff, thus violating the FDCPA as well as the Wisconsin Consumer Act (WCA).

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

One tactic that debt collectors have used to scare consumers into paying is to imply that they are getting into circumstances over their heads because attorneys or government entities are involved. The complaint for this class action claims that the reference to filing a form with the Internal Revenue Service (IRS) in a debt collection letter was one such scare tactic, and that such tactics are illegal under the Fair Debt Collection Practices Act (FDCPA).

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

If a debt collector does not properly identify the original creditor for a debt, it’s difficult for a consumer to know if she in fact owes the debt. The complaint for this class action claims that a debt collection letter from Northstar Location Services, LLC falsely identified the original creditor, making the letter misleading and confusing. Misleading and confusing debt collection letters are a violation of the Fair Debt Collection Practices Act (FDCPA).

One Hand Giving Another Money

The complaint for this class action claims that a debt collection letter sent out by MCS Claims Services, Inc. does not give the letter’s recipient notice of her right to dispute the debt. Failing to do this, the complaint says, is a violation of the Fair Debt Collection Practices Act (FDCPA).

Papers on Clipboard Saying "Debt Collection"

The Fair Debt Collection Practices Act (FDCPA) requires that consumers be clearly informed of details relating to their debt. The complaint for this class action says disagreement between information from a credit card company and debt collector Global Credit & Collection Corporation sowed confusion about the minimum amount required to bring the account current. 

Debt Ball and Chain

The Fair Debt Collection Practices Act (FDCPA) forbids debt collectors from threatening consumers with action they are not entitled to take or do not intend to take. The complaint for this class action alleges that Forster & Garbus, LLP and The Forster Group, Inc. have violated this law in suggesting that they may addd interest, fees, or other charges to a debt when in fact they do not have the authority to do so.

Bill with Words "Past Due" Stamped in Red

Most consumer debts are subject to a statute of limitations. This means that after a certain length of time has elapsed, the creditor can no longer sue the consumer for the debt and the debt can no longer be reported to credit reporting agencies. The exact length of time that must elapse before the debt becomes “stale” differs from state to state. The complaint for this New York class action claims that debt collector Ditech Financial, LLC violated state and federal laws by threatening to report stale debts to credit reporting agencies.

Bill Saying, "Final Notice"

Consumer debtors are entitled to know the name of the creditor to whom they are alleged to owe a debt, says the Fair Debt Collection Practices Act (FDCPA). However, the complaint for this class action claims that a collection letter sent by Business Revenue Systems, Inc. seems to cite only a generic business and not one that can be specifically identified.

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