FDCPA

IC System Unclear Settlement Offer in Collection Letter FDCPA Class Action

Congress passed the Fair Debt Collection Practices Act (FDCPA) because of the “abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.” The complaint for this class action alleges that I.C. System, Inc. (ICS) violates that law in sending letters to consumer debtors which did not make clear  Read more

American Coradius Did Not Provide Creditor Name FDCPA Class Action

The Fair Debt Collection Practices Act (FDCP) sets forth rules for third-party debt collectors who are attempting to collect consumer debts. It seeks to prevent abusive collection practices. Among its requirements are that debt collectors must provide certain information to consumer debtors at their first contact or shortly thereafter. The complaint for this class action  Read more

Midland Credit Letter Unclear as to Settlement Options FDCPA Class Action

As a third-party debt collector, Midland Credit Management, Inc. (MCM) must comply with the Fair Debt Collection Practices Act (FDCPA), a federal law. One thing the law requires is clarity in communications with consumers, so that ordinary people can fully understand their options and make the best choices possible in their circumstances. The complaint for  Read more

Shellpoint Mortgage Inadequate Explanation of Payoff Items Class Action

Shellpoint Mortgage Services, officially called Newrez, LLC, is a mortgage servicer. This class action alleges that Shellpoint issues mortgage payoff that do not comply with federal laws, like the Fair Debt Collection Practices Act (FDCPA) and Florida state laws. The complaint claims that the mortgage payoff statements issued by the company to borrowers include a  Read more

Gregory Funding Mortgages in CARES Act Forbearance Periods Class Action

During the Covid-19 pandemic, when so many people lost their incomes, or a significant part of them, Congress passed the Coronavirus Aid, Relief and Economic Security Act (CARES Act) to provide a number of different kinds of relief. Among the different provisions, one section allows homeowners who are subject to economic hardship to ask for  Read more

Keystone Credit Sharing of Debt Information Pennsylvania FDCPA Class Action

The Fair Debt Collection Practices Act (FDCPA) limits the people with whom a debt collector may communicate about a consumer debt. This class action brings suit against Keystone Credit Services, LLC, claiming that it uses third-party mail vendors to send out debt collection letters, and that the communication of debt information that must appear in  Read more

Afni Discloses Debt Information to Third Parties FDCPA Class Action

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are not permitted to communicate with anyone other than the debtor (except in a few specific cases) in connection with the collection of the debt. The complaint for this class action alleges that Afni, Inc. uses third-party mail vendors to send debt collection letters, thereby  Read more

Gregory Funding Mortgage Statements TILA and FDCPA Settlement

Gregory Funding, LLC is paying $400,000 to settle a class action alleging it violated the Truth in Lending Act (TILA) and Fair Debt Collection Practices Act (FDCPA) because the statements it sent to customers misrepresented suspense balances.  Read more

Portfolio Recovery Misleading References to Lawsuit FDCPA Class Action

Congress passed the Fair Debt Collection Practices Act (FDCPA) to stop debt collectors from making deceptive or misleading statements, among other things. The complaint for this class action alleges that Portfolio Recovery Associates, LLC (PRA) sent a debt collection letter to consumers that contained repeated references to suing, even though lawsuit was not in question  Read more

Midland Credit Invasion of Debtor’s Privacy Texas FDCPA Class Action

The Fair Debt Collection Practices Act (FDCPA) regulates the actions of third-party debt collectors in trying to collect consumer debts. The FDCPA is meant, the law says, “to eliminate abusive debt collection practices by debt collectors” and to protect consumers from them. The complaint for this class action alleges that Midland Credit Management, Inc. has  Read more