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Vital Recovery Services Debt Letter Misleading as to Interest Accrual FDPCA NY Class Action

Plaintiff Afsar Raja allegedly borrowed money from WebBank for personal, family, or household purposes, but the complaint for this class action claims that the debt collection letter he received from Vital Recovery Services, LLC violates the Fair Debt Collection Practices Act (FDCPA). The letter claims that Raja owes some $700 in interest charges, but it  Read more

Trans-Continental Credit & Collection Spanish and Interest in Debt Letter FDCPA NY Class Action

Part of the purpose of the Fair Debt Collection Practices Act (FDCPA) is to keep consumers from becoming confused about their debts, so that they can make the best possible decisions about how to handle them. But the complaint for this class action claims that plaintiff Brendalin Lugo was confused by two different parts of  Read more

Nationwide Credit Deceptive Statements Debt Collection Letter FDCPA Class Action

The Fair Debt Collection Practices Act (FDCPA) attempts to keep debt collectors from making deceptive or misleading statements in trying to collect debts, but the complaint for this class action claims that Nationwide Credit, Inc. sent plaintiff Stefano Cafiso a letter that contained two such deceptive statements. The first implied, according to the complaint, that  Read more

Miller & Milone Implying Attorney Involvement in Debt Collection FDCPA Class Action

The complaint for this class action alleges that the debt collection letter received by plaintiff Jonathan Guerrero violated the law from the first words on the page—its heading, which begins, “Miller & Milone, PC, Attorneys at Law”. The complaint alleges that the letter violates the FDCPA because it purports to be from a law firm,  Read more

Letter from The Law Offices of ML Zager Violates the FDCPA Class Action

The debt collection letter that plaintiff Rachel Labin was sent by The Law Offices of ML Zager, PC does not name a creditor. Instead, it says, “Client Name: Catskill Regional Medicalcenter Center.” The complaint for this class action alleges that this is only one of three ways the letter violates the Fair Debt Collection Practices  Read more

American Medical Collection Agency Collecting on Debt Not Owed FDCPA Class Action

The American Medical Collection Agency—aka Retrieval Masters—sent a debt collection letter to plaintiff Sam Junik, dated February 3, 2017, attempting to collect a defaulted consumer debt, but according to the complaint, the letter violated the FDCPA in two ways. First, the letter identifies Quest Diagnostics, Inc. as the “service provider” but does not make clear  Read more

Associated Credit Services Debt Collection Fee FDCPA Class Action

Plaintiff Annmarie Buck received a debt collection letter dated January 6, 2017, from Associated Credit Services, Inc., that billed her for what the complaint for this class action claims is an unexplained and unlawful fee. Also, the complaint alleges, the letter did not contain sufficient information about the fee and other possible charges to make  Read more

AFNI Debt Collection and Reporting to Credit Bureaus FDCPA Class Action

The letter sent to plaintiff Joanne Pacheco by debt collector AFNI, Inc. is confusing in a number of respects, the complaint for this class action claims, to the point where it violates provisions of the Fair Debt Collection Practices Act (FDCPA). The letter is unclear as to who the current creditor is, the complaint says,  Read more

FMA Alliance Accruing Interest and Disputation in Writing FDCPA Class Action

According to the complaint for this class action, the letters sent by FMA Alliance, Ltd. violate the FDCPA by omitting important information or by “overshadowing” information with statements that sound misleading or contradictory. First, the letter vaguely mentions interest and fees that may accrue, but provides no specifics; and second, according to the complaint, it  Read more

Immediate Credit Recovery Overshadowing Statement Debt Letter FDCPA Class Action

The Fair Debt Collection Practices Act (FDCPA) specifies that when a debt collection attempts to collect a debt via a letter, it must include certain information in the letter—and it must not contradict or overshadow that information by other statements that might confuse the “least sophisticated consumer” who might receive such a letter. According to  Read more