Go to Representative Consumer Protection Cases (Alphabetized by Defendants):
A - B - C - D - E - F & G - H - I, J,K,L - M - N & O - P & Q - R - S - T - U - V - W,X,Y,Z
Alvarez v. Portfolio Recovery Associates, LLC
Alabama consumer sued Portfolio Recovery Associates, LLC alleging violations of the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice). This relates to an account that consumer claimed was not hers and harassing conduct by Portfolio including having the consumer served with a lawsuit at her place of employment in front of her patients. Read more about this case (PDF).
Alverson v. Palisades Collection, LLC; and Equifax
One of the first suits by an Alabama consumer against a debt buyer based upon the consumer winning a collection suit brought by debt buyer Palisades. Palisades, not surprisingly, could not prove the collection case and the judge ruled against Palisades, which means the consumer did not owe Palisades any money. Alabama consumer disputed the debt with Equifax and instead of removing the debt from the credit report (as the judge in the collection action said the consumer did not owe it) both Palisades and Equifax decided to keep the debt/account on consumer's credit report. Suit was brought against Palisades under the Fair Debt Collection Practices Act (FDCPA), and against Palisades and Equifax under the Fair Credit Reporting Act (FCRA) and Alabama state law (defamation, invasion of privacy, wantoness, intentional conduct, and malice).
Byram v. Premiere Credit Of North America, LLC; Amsher Collection Services, Inc. (d/b/a AmCheck Collections)
Alabama consumer sues the collection agencies of Amsher Collection Services, Inc. (d/b/a AmCheck Collections) and Premiere Credit Of North America, LLC for violating state law and violating the Fair Debt Collection Practices Act. These defendants (Amsher/AmCheck is a local Birmingham, Alabama based debt collector) kept balances on consumer's credit reports even though the bankruptcy court had discharged the debts. Therefore, the accounts on the credit reports must say "discharged in bankruptcy" and show a zero balance as no money is owed. Read more about this case (PDF).
Carr v. Phoenix Debt Management, LLC
Alabama consumer was dealing with the collection agency Phoenix Debt Management, LLC who contacted consumer's employer and supervisor in violation of the prohibition against contacting third parties for debt collection purposes. The Fair Debt Collection Practices Act (FDCPA) allows debt collectors to contact third parties (anyone other than the consumer or spouse or lawyer) only to obtain "location information" which is: (1) home address; (2) home phone; and (3) place of employment. Here, Phoenix Debt asked for "wage verification" which is not allowable. It also made allegations that consumer had broken the law (which was absolutely false) and should lose her job. Multiple violations of the FDCPA and Alabama state law were alleged in the lawsuit against the debt collector Phoenix Debt Management.
Cottonham v. Palisades Collection, LLC; and Redline Recovery Services, LLC
Alabama consumer sued the debt buyer Palisades Collection, LLC after it sued the consumer and lost at trial. The reason for the suit is that instead of Palisades removing the debt from the credit report (as the judge in the collection action said the consumer did not owe it) Palisades not only kept the debt on the credit report but updated it months and months after the trial to make it appear the consumer owed the debt. Then Palisades sent the account out to be collected by the co-defendant Redline Recovery Services, LLC who started collection activities against the consumer. Suit was brought under the Fair Debt Collection Practices Act (FDCPA) and Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice). Read more about this case (PDF).
Ellis v. Palisades Collection, LLC; Experian Information Solutions, Inc; and Equifax Information Services
Alabama Consumers sued the debt buyer Palisades Collection, LLC after it sued the consumer and lost at trial. Alabama consumer disputed the debt with Experian and Equifax and instead of removing the debt from the credit report (as the judge in the collection action said the consumer did not owe it) amazingly Palisades and Equifax and Experian decided to keep the debt/account on consumer's credit reports. Suit was brought under the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct and malice). Read more about this case (PDF).
Gilmore v. Palisades Collection, LLC; NCO Financial Systems, Inc.; First Premiere Bank; and First Bank & Trust
Alabama customer filed for bankruptcy and discharged a debt that the junk debt buyer Palisades purchased; a debt NCO (large national collection agency) was collecting; a credit card that First Premiere Bank had issued to consumer; and a debt to First Bank & Trust. The discharge means that the consumer does not owe these debts but all four of these companies kept false information on the credit reports instead of showing the debts as "discharged in bankruptcy" with a zero balance. Suit was filed for violations of Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice) and for NCO and Palisades violating the Fair Debt Collection Practices Act. Read more about this case (PDF).
Harris v. Palisades Collection, LLC; Household Finance Corp. of Nevada
Alabama consumers filed for bankruptcy and discharged a debt that the junk debt buyer Palisades purchased and a debt from the finance company Household Finance Corp. of Nevada (HFC). The discharge means that the consumers do not owe these debts but both of these companies kept false information on the credit reports instead of showing the debts as "discharged in bankruptcy" with a zero balance. Suit was filed for violations of Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice) and for Palisades violating the Fair Debt Collection Practices Act. Read more about this case (PDF).
Hogue v. Palisades Collection, LLC; Equifax Information Services
Alabama consumer sued the debt buyer Palisades Collection, LLC after it sued the consumer and lost at trial. After the Alabama consumer won the collection case, the consumer properly disputed the debt with Equifax and instead of removing the debt from the credit report (as the judge in the collection action said the consumer did not owe it) amazingly Palisades and Equifax decided to keep the debt on consumer's credit reports. This was true even though the judge said the consumer did not owe any money to Palisades. This critical fact was ignored by both Palisades and Equifax. Suit was brought under the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice). Read more about this case (PDF).
Kircharr v. Popular Mortgage Servicing, Wachovia Bank
Shields v. Portfolio Recovery Associates LLC
Go to Representative Consumer Protection Cases (Alphabetized by Defendants):
A - B - C - D - E - F & G - H - I, J,K,L - M - N & O - P & Q - R - S - T - U - V - W,X,Y,Z
