Fair Debt Collection - California Lawyer

New Lawsuit Filed Against Credigy Receivables and Experian for FDCPA and FCRA Violations

My firm has filed a federal lawsuit against Credigy Receivables, Inc. and Experian Information Solutions, Inc. for violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.  The lawsuit was filed in the United States District Court (Central District) in Los Angeles and is Case No. EDCV07-703-SGL(JCRx).

The lawsuit alleges that my client repeatedly disputed the accuracy of a credit report tradeline being furnished to Experian by Credigy.  In response to those disputes, Experian repeatedly verified the item but updated the date until which the item would be reported on the credit report to later dates.  First, the date was updated to March 2007, then June 2007, then September 2013.  In response to my client's last dispute, Experian refused to even consider the dispute, despite the fact my client specifically disputed the new September 2013 date.  The lawsuit seeks at least $100,000.00 in actual damages, plus statutory damages, attorney fees, and costs.

If you feel a debt collector may be violating the law in the way they are pursuing a debt, or a credit reporting agency is failing to adequately respond when you dispute an inaccurate credit report item and you are being damaged by that failure, please consult a consumer attorney immediately.  California residents can email me (psmith@paulsmithlaw.com) or telephone me at (858) 679-3396 for a free consultation.  Residents of other states please visit the National Association of Consumer Advocates to find an attorney in your state.

New FDCPA Case Filed Against Wolpoff & Abramson and Palisades Collection

My firm has filed a new case against Wolpoff & Abramson, LLP and Palisades Collection, LLC alleging violations of the federal Fair Debt Collection Practices Act and the California Rosenthal Fair Debt Collection Practices Act.  The case was brought in the United States District Court (Northern District of California) in Oakland and is Case No. C07-03264.

The lawsuit alleges that the Wolpoff and Palisades obtained a default judgment without actually serving my client with the summons and complaint or giving him any notice.  My client successfully moved to vacate the default judgment and then after my firm became involved, Wolpoff and Palisades voluntarily dismissed the lawsuit.

The lawsuit also alleges that a Wolpoff employee continued to insist that the judgment was in effect after the judgment had been vacated by the Court and made threats to garnish my client's wages.  The lawsuit also alleges that Wolpoff telephoned my client's spouse at her place of employment pretending to do an "employment verification" on my cliente in order to intimidate my client into paying the alleged debt.

Credit expert and consumer advocate Bud Hibbs has information about Wolpoff & Abramson here, which he names as one of America's worst debt collection companies, and information about Palisades Collections here.  If you are sued by Wolpoff & Abramson, or suspect they have violated the law in the manner in which they are attempting to collect an alleged debt, do not hesitate to obtain a free consultation with a consumer attorney.  California residents can email me (psmith@paulsmithlaw.com) or telephone me at (858) 679-3396.  Residents of other states should visit the website for the National Association of Consumer Advocates to find an attorney in your state.

My Firm Defending Collection Case Brought By First Resolution Investment and Winn & Sims

My firm has accepted defense of a collection case brought by First Resolution Investment Corporation (allegedly as successor in intererst to Unifund CCR Partners who was allegedly the assignee of Chase Manhattan Bank USA).  First Resolution is bringing the lawsuit via the law firm (actually debt collectors) Winn and Sims.  The case is in San Diego Superior Court and is Case No. IC881247.

If sued by a debt collector, you should immediately consult with a consumer attorney (these cases are often defensible).  Do not delay, as failure to respond within 30 days usually results in a default judgment being entered against you, which is what most debt collectors are primarily seeking.  Obtaining a quick judgment may allow them to garnish wages or bank accounts, or put liens on any real property you own.  Consumers in California should feel free to email me (psmith@paulsmithlaw.com) or call me (858-679-3396) to obtain a free consultation.  Consumers outside California can use the National Association of Consumer Advocates to find an attorney in your state.

Consumer advocate and credit expert Bud Hibbs has information on Winn and Sims as well as First Resolution Investment Corporation here. 

New FDCPA Case Filed Against Creditors Financial Group LLC

My firm has filed a federal lawsuit against Creditors Financial Group LLC for violations of the federal Fair Debt Collection Practices Act and the California Rosenthal Fair Debt Collection Practices Act.  The lawsuit has been filed in the Northern District of California in the Oakland/Alameda district.

The lawsuit alleges that Creditors Financial Group's employees would frequently telephone my client, even after my client sent them a cease communication letter exercising his right to prevent the calls under the FDCPA.  The lawsuit alleges the phone calls would sometimes occur at a rate of 20 per day, and at odd hours such as 6:45 a.m. on a Sunday.  The lawsuit also alleges that the employees would yell, scream, use profane language, and berate my client, and threaten that my client would go to jail if he did not pay.

The lawsuit also alleges that Creditors Financial Group telephoned my client's sister up to 20 times in one day, insisting that my client's sister was actually his wife and making comments about my client's sexual orientation.  They again threatened to her that my client would be going to jail.

The lawsuit also alleges that Creditors Financial Group spoke with my client's partner, screaming at him, berating him, harassing him, using extremely profane language, and making extremely profane remarks about my client's sexual orientation.

The lawsuit seeks at least $100,000.00 in actual damages plus statutory damages, attorney fees, and costs.

Consumer advocate and credit expert Bud Hibbs has information about Creditors Financial Group that you can read by clicking here.

If you think a debt collector may have done something illegal in pursuit of an alleged debt, do not hesitate to consult with a consumer attorney.  California residents feel free to contact me for a free consultation by email or by telephone at (858) 679-3396.  Consumers outside of California should visit the website for the National Association of Consumer Advocates to find a consumer attorney in your state.