Northstar Location Services Deceptive Collection Letter Class Action

The complaint for this class action opens by quoting the Fair Debt Collection Practices Act (FDCPA), noting that it was passed to protect consumers from “the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.” This class action claims that Northstar Location Services, LLC violated the FDCPA at least three times with a single collection letter.

The obligation or debt in this case is one allegedly incurred for personal purposes through a Barclays Bank Delaware credit card.

At some point, it seems, Barclays Bank Delaware assigned Northstar to collect the debt from plaintiff Israel Husarsky.

Northstar then sent a collection letter to Husarsky with a payment arrangement. The letter was dated August 18, 2020. A copy of the original was filed with the complaint as Exhibit A.

The letter, as quoted in the complaint, states, “This letter will confirm your agreement with the following payment arrangement(s).” However, according to the complaint, plaintiff Husarsky “never agreed to this, or any, payment arrangement.” The letter, it says, is therefore false, deceptive, and misleading.

The letter also sets out three payments of $50 each, which are to be due on August 17, September 17, and October 17, 2020. However, since the letter was dated August 18, 2020, it was announcing a deadline that had already expired and that occurred days before Husarsky could have received it. The complaint alleges, “The letter is therefore unfair and unconscionable in proposing a factually impossible payment agreement.”

Finally, it never states whether the debt will be satisfied if Husarsky does make the three payments.

The FDCPA, the complaint says, forbids third-party debt collectors like Northstar from using “any false, deceptive, or misleading representation or means in connection with the collection of any debt.” They may also not use “unfair or unconscionable means” to collect debts.

The class for this action is (1) all individuals with addresses in New York (2) to whom Northstar sent a collection letter (3) trying to collect a consumer debt (4) which was sent between November 3, 2019 and November 24, 2020, and (5) where the letter falls into any of these three subclasses:

  • The letter states that the consumer has agreed to a payment arrangement although the consumer did not.
  • The letter states a payment due date the occurred before the date of the collection letter.
  • The letter does not state whether the payment arrangement will settle the debt in full.
Article Type: Lawsuit
Topic: Consumer

Most Recent Case Event

Northstar Location Services Deceptive Collection Letter Complaint

November 3, 2020

The complaint for this class action opens by quoting the Fair Debt Collection Practices Act (FDCPA), noting that it was passed to protect consumers from “the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.” This class action claims that Northstar Location Services, LLC violated the FDCPA at least three times with a single collection letter.

Northstar Location Services Deceptive Collection Letter Complaint

Case Event History

Northstar Location Services Deceptive Collection Letter Complaint

November 3, 2020

The complaint for this class action opens by quoting the Fair Debt Collection Practices Act (FDCPA), noting that it was passed to protect consumers from “the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.” This class action claims that Northstar Location Services, LLC violated the FDCPA at least three times with a single collection letter.

Northstar Location Services Deceptive Collection Letter Complaint
Tags: FDCPA, Misleading or Confusing Debt Collection Letter, Unlawful Debt Collection