Who’s Affected

debt collection lawsuit

In today’s economy, debt collectors are more aggressive than ever before. More and more debt collectors who collect debts for major banks, credit card companies, student loan companies, and even debt buyers are reportedly using illegal debt collection practices, including:

False statements and deceptive practices
Threats of lawsuits or arrest
Abusive language
Threatening or deceptive letters
Telephone calls early in the morning or late at night
Robocalls to your cell phone
Communicating with third parties about your debt
Collection of expired debts
Attempts to collect debt that has already been discharged or settled
Attempts to collect a debt you do not owe
Improper debt collection after bankruptcy
Failing to cease communications upon a written request to do so
Reporting false information on your credit report

Millions of consumers have been harmed financially and emotionally by their illegal and unethical practices. What many consumers may not realize is that they have legal rights.

If a debt collector has engaged in any of the above-mentioned unfair debt collection practices, you may have a legal claim and could be owed compensation for violations of the Fair Debt Collection Practices Act (FDCPA). Get help now by filling out the form on this page for a FREE case evaluation by a consumer debt lawyer.

What is the Fair Debt Collection Practices Act (FDCPA)?

The FDCPA was passed by Congress in 1978 to combat the unfair debt collection practices used by many creditors and debt collectors. Although debt collection is perfectly legal, the FDCPA has established rules for the collection of consumer debts and provides protections to debtors by enabling them to challenge creditors and determine the validity and accuracy of asserted debts. Despite these debt collection laws, many debt collectors reportedly engage in illegal conduct in an attempt to collect on debts.

Under the FDCPA, a debt collector is anyone who regularly collects debts that are owed to others, including debt collection agencies, companies that purchase and attempt to collect on delinquent debts, and debt collection lawyers who help companies who help creditors, debt buyers, or even debt collection firms. Many states have enacted their own state versions of the FDCPA that apply to and regulate not only debt collectors but also creditors, including banks, credit card companies, etc.

If a debt collector is found to have violated the FDCPA, the debtor is entitled to receive $1,000 in statutory damages, plus any actual damages that they have suffered, including emotional distress.

Unfair and Illegal Debt Collection Practices

Debt Collection Harassment: With few exceptions, debt collectors are prohibited from contacting consumers who have notified them in writing to cease communication. However, debt collectors often ignore these consumer protection laws and continue to repeatedly contact consumers, even if they have told the debt collector or creditor to stop contacting them. Debt collectors are also prohibited from using abusive language, disclosing any information to your family, friends and employer, or calling at inconvenient times.
Telephone Harassment: Debt collectors are only allowed to contact debtors between the hours of 8:00am and 9:00pm. Telephone calls outside of that time period are prohibited. In addition, debt collectors cannot cause the telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass a debtor.
False Statements and Deceptive Practices: Under the FDCPA, debt collectors may not use deception to collect on a debt. According to FDCPA lawsuits, creditors use a number of illegal debt collection practices, including misrepresenting the amount that is owed, attempting to collect a debt that is not owed, falsely representing they are debt attorneys or government representatives, and sending out misleading correspondence that appears to be a legal document even though it isn’t.
Collection of Debts Not Owed: Debt collectors are prohibited from collecting debts that are not owed by the debtor. This could be because the debt was discharged in bankruptcy or previously settled by the debtor. In some cases (such as identify theft), the debt may never have been owed by the debtor in the first place.
Collection of Expired Debts: Debt collectors are generally prohibited from suing or threatening suit on debts that have been in default for more than four years. However, some creditors illegally attempt to collect time-barred debts by threatening litigation.
Making Improper Reports to Credit Reporting Agencies: The FDCPA determines what types of information that debt collectors and creditors must and must not report to credit reporting agencies. Despite these stringent regulations, many lenders report post-foreclosure deficiencies from non-recourse loans as debts, even though they have no right to collect on them. In other situations, debt collectors unlawfully fail to notify the credit reporting agencies that a debtor has disputed a debt.
Failure to Cease Communication Upon Request: Debt collectors generally must cease communications with a debtor who makes a written request that they no longer wish to receive any communications about the debt. Communications after a debtor’s written cease and desist request may violate the FDCPA. Debt collectors must also not call you at inconvenient times, or call your employer if you tell them not to (you can tell them orally or in writing).
Improper Communication with Third Parties: Some debt collectors violate FDCPA by contacting a debtor’s family members, employers, or neighbors in connection with collecting a debt.

If a debt collector has engaged in the types of conduct that were described above, you may be entitled to pursue your claim for $1,000 in statutory damages for a violation of the FDCPA. Get help now by filling out the form on this page for a FREE case evaluation.

Generally, unless they are the original creditor, a company calling to collect a debt from you is subject to FDCPA regulation and its penalties. Below is a list of companies that may be regulated by the FDCPA:

Aagon
ACB Receivables Management
Accelerated Recovery Services, Inc.
ACCESS Receivables Management
Account Collection Bureau Inc.
Account Litigation Services Inc.
Account Solutions Group
Accounts Receivable Technologies
Accounts Recovery Agency Inc.
Action Collection Services
Action Guaranteed Collection Agency
Action Professional Service
Advanced Business Consultants
Advanced Credit Recovery, Inc.
Affiliated Collection Service
AGRM, LLC
AIS Services, LLC
All American Financial Associates
All Debt Traders, LLC
Alliance One, Inc.
Allied Adjustors Inc.
Allied Data Corporation
Allied Interstate, Inc.
Ally Financial
American Agencies
American Collection Services
American Collections Group
American Coradius International LLC (ACI)
American Coradius, Inc.
American Corporate Society, Inc.
American Credit Collections, LLC
American Credit Services
American Debt Services
American Legal Recovery
American Legal Services, PC
American Revenue Management
Ameriquest Recovery Services
AMO Recoveries
Anchor Receivables Management
Anchor Receivables Management
Anderson Collection Agency
Anderson Financial Network, Inc. (AFNI)
ANI Management Group
Aquino
Ariel Financial Services
Arrow Financial Services
AS Collection Associates
Ascent Card Services, LLC
Asset Acceptance Corporation
Asset Recovery Associates
Associated Creditors Exchange
Associated Recovery Systems
Asta Funding
Atlantic Credit & Finance
Atradius Collections
Aurora, Gold & Associates, LLC
BCA Financial Services
Beach Associates, Inc.
Bessenbacher Co
Bilateral Credit Corporation
Burnstein & Burnstein, Inc.
Capital Management Services
Capital Recovery Corporation
Cash Flow Management Inc.
CashCall, Inc.
Cavalry Portfolio Services, LLC
CCV (Credit International)
Cedar Financial
Central Collections Corporation
Check Mart
Classified Collection Network Inc.
Client Services
CMA Business Credit Services
Collection Information Bureau
Comenity
Commercial Collection Consultants Inc.
Commercial Collectors Inc.
Commonwealth Financial Systems
Conrad Acceptance Corporation
Continental Central Credit Inc.
Continental Commercial Group
Credit Collection Services (CCS)
Credit Management Control
Credit Recovery Corp
Dabney & Dabney
Delta Recovery Systems
Discover Financial Services
Donmar Service Corp
DSY Recovery Services LLC
E Title Loans
Eastern Commercial Credit Service Inc.
Embee Associates
Encore Capital Group
Encore Receivable Management
Endeavor Financial Partners, LLC
Enhanced Recovery Company
Enhanced Recovery Corporation
Executive Financial Enterprises Inc.
Fidelity Creditor Service Inc.
Fidelity Recovery Service
First Source Advantage
Firstcity Financial
FMA Alliance
Fourscore Capital
Franklin Collection Services
Galaxy Solutions Inc.
GC Services
GC Services Limited Partnership
General Revenue Corp
Gila, LLC
Gleason & Gleason, Inc.
Global Credit and Collection
Global Systems Inc.
Gmaks, Inc.
Grant & Weber
Green Tree
Greystone Alliance
IC Systems
Imperial Collection Services
Innovative Debt Recovery Inc.
International Recovery Service Florida
International Research Specialists Inc.
K.C. Victor, Inc.
Lamb, Boyce & Associates Inc.
Leading Edge Recovery Solutions
Leib Recovery Solutions LLC
LVNV Funding
Mark One
McCabe, Smith, Reynolds & Associates
Medvetta International
Merchant & Medical Recovery Services
Midland Funding
Midland Credit Management
Montague, Pittman & Vanada, PA
Mountain States Commercial Collection
MPS Services
MRS Associates, Inc.
NACM Business Credit Services
NACM Heartland Unit Inc.
National Asset Recovery Inc.
National Association of Credit Management
National Collection Agency
National Credit Adjustments
National Enterprise Systems
National Financial Systems
Nationstar
Nationwide Commercial Services Inc.
Nationwide Recovery Network Inc.
Nationwide Register & Security Ltd
NCO Financial Systems
NCS Inc.
Nelnet
North Star Capital Acquisitions, LLC
Northeast Credit & Collections
Northern Arizona Creditors Service Inc.
Northern California Collection Service
Northland Group
Ocwen Financial
Omni Credit Services
Ophrys
P&B Capital
Pacific Board of Trade Inc.
Pacific Southwest Credit
Palisades Collection
Parson Bishop Services Inc.
Partners Financial Services
Pendrick Capital Partners
Penn Credit Corporation
Pentagroup Financial
Peter Roberts & Associates Inc.
Philips & Cohen Associates
Phoenix Debt Management
Pinnacle Security LLC
Plowden International
Portfolio Exchange
Portfolio Recovery Associates
Prism Resolutions
Professional Credit Management Assoc
Professional Debt Mediation
Professional Recovery Services
Rand Associates
Redline Recovery
Reed & Reed
Regional Collection Services Inc.
Remit Corporation
Resurgent Capital Services
Revenue Cycle Management
Revenue Service Company Inc.
Risk Management Alternatives, Inc.
Rosman Adjustment Corp
Ross, Stuart & Dawson, Inc.
Royal Allen Co
Sacramento Valley Board of Trade Inc.
Scott & Goldman
SearchAmerica Inc.
Servicing Solutions, LLC
Sherman Financial Group
Sierra Nevada Adjustment Group
Snyder Receivable Management LLC
Solutions for Business
Southeastern Financial Services Inc.
Southwest Credit Systems
Southwest Recovery
Square Two Financial
STA International Inc.
Stoneleigh Recovery Associates
Successful Solutions Inc.
The Andersen Group
The Collection Bureau
Thomas George Associates Ltd
Transamerican Credit Group Ltd
Transworld Systems
Turnbrook Associates
U.S. Corporate Accounting
Unifund Group Corp
United Collections Bureau
United Credit Bureau (UCB)
United Legal Alliance
US Fast Cash
Valentine & Kebartas
Van Ru Credit Corporation
Vengroff, Williams & Associates Inc.
Veri Facts Inc.
Viking Collection Service Inc.
Weltman Weinberg & Reis Co
West Asset Management Inc.
William Claybourne & Associates
Williams, Cohen & Gray
Windham Professionals Inc.
Wolpoff & Abramson
Worldwide Asset Purchasing, LLC
Zenith Acquisition Corp

Get Help – It’s Free

Join a Free FDCPA Class Action Lawsuit Investigation

If you qualify, an attorney will contact you to discuss the details of your potential case at no charge to you.

First Name*
Last Name*
Street Address*
Apt. #
City*
State*
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific
Zip Code*
Phone*
Email*
Are you willing to act as a plaintiff in a lawsuit relating to your claim? If the answer is no, STOP: you do not qualify for this investigation.*
- Yes
- No
Please list the company(ies) that you believe have engaged in unfair collection practices:*
Select the debt collection tactics they used (select as many as apply) and provide details about the abuses in the box below:*
- False statements and deceptive practices
- Threats of lawsuits or arrest
- Abusive language
- Threatening or deceptive letters
- Telephone calls early in the morning or late at night
- Communicating with third parties about your debt
- Collection of expired debts
- Attempts to collect debt that has already been discharged or settled
- Attempts to collect a debt you do not owe
- Improper debt collection after bankruptcy
- Failing to cease communications upon a written request to do so
- Reporting false information on your credit report
- Other (please list in the “Additional Information” box below.)
Please enter any additional information about the debt collection practices you selected above. Remember, the more detailed your complaint, the more likely you will be contacted for a free case evaluation.*
When did the debt collector harassment occur (select all that apply)?*
- Within the past week?
- Within the past month?
- Within the past three months?
- Within the past year?
- More than one year ago?
Have you suffered any actual damages from the debt collector harassment and abuse? Please enter any additional information about the actual damages that you have suffered.*
Have you entered into a payment plan?*
- Yes
- No
¿Necesita un orador español?
- Yes
- No
I understand and agree that submitting this form does not create an attorney-client relationship.*
- Yes

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