Using a Local Area Code Did Not Violate the FDCPA
Mike Sharp
As other courts have held, the use of a local phone number is not a material misrepresentation because it has no impact whatsoever on a consumer's ability to intelligently choose how to deal with a debt. Even if the use of local phone numbers frustrated a consumer's decision to pick...
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2 Letters Not Sufficiently Concrete Nor Particularized for FCDCPA Standing
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In the case of Ozmun v. Portfolio Recovery Associates the Fifth Circuit considered whether the district court erred in denying FDCPA…
NCB Data Breach Exposed Over 1.1 Million People
NCB Management Services, a US-based debt collector, exposed sensitive user financial data such as payment card numbers with security codes…
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‘Confusion’ and ‘Alarm’ Not Enough for Article III Standing
The U.S. Court of Appeals for the Seventh Circuit recently affirmed the dismissal of a consumer’s lawsuit against a debt…
The Impact of Unpaid Medical Accounts Over Five Hundred Dollars
Unpaid medical debt may impact your credit score, depending on the balance. But the three major credit bureaus have made…
FDCPA Case Dismissed Over Letter with Multiple Addresses
As a preliminary matter, although not briefed by either party, the Court notes that Plaintiff does not appear to have…
