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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

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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

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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

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Roundpoint Mortgage Unlawful Fees and Harassment West Virginia Class Action

What fees is a mortgage servicer allowed to charge in West Virginia? The complaint for this class action claims that Roundpoint Mortgage Servicing Corporation charges customers unlawful fees, such as for property inspections, late charges, “ORCC” fees, and other miscellaneous fees. Not only are they forbidden under West Virginia law; the complaint claims that even  Read more

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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

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21st Mortgage Addition of Excessive Attorneys’ Fees Class Action

This class action alleges that 21st Mortgage Corporation uses its power over homeowners to add excessive attorneys’ fees to mortgage accounts, in violation of West Virginia law. These fees are also excessive, the complaint claims, in light of the attorneys’ fees permitted by the mortgage contract.  Read more

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Alltran Financial Late Charges May Up Debt FDCPA Class Action

The Fair Debt Collection Practices Act (FDCPA) tries to ensure that consumer debtors have accurate and complete information about what they owe and other things, so that they can make the best decisions possible about their finances. The complaint alleges that Alltran Financial, LP sent consumer debtors a confusing or misleading collection letter in that  Read more

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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

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Loandepot.com Calls to Debtor’s Cell Phone TCPA, FCCPA Class Action

Even debt collectors and businesses undertaking foreclosure actions must obey federal and state rules about placing telephone calls to consumers. The complaint for this class action alleges that Loandepot.com, LLC violated the Telephone Consumer Protection Act (TCPA) and the Florida Consumer Collection Practices Act (FCCPA) in placing telephone calls to a mortgage borrower.  Read more

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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

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