Unfair Practices by Debt Collectors

The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair debt collection attempts by debt collectors, but what constitutes an unfair attempt? A debt collector may not: Attempt to collect any other debts (on top of the one owed). Communicate with you via postcard. Use any language or symbol on an envelope that indicates […]

$1.2 Million FDCPA Class Action Bankruptcy Discharge Settlement

In 2019, Ed Maginnis and Karl Gwaltney obtained a $1.2 million settlement for a Fair Debt Collection Practices Act (FDCPA) class action. The plaintiff filed for Chapter 7 bankruptcy over medical debts which cleared him from liability. More than 400,000 people file for bankruptcy each year, and medical debt is the leading type of claim. […]

Common Illegal Debt Collection Tactics

It’s easy to feel powerless in the face of collection activity. Confusing letters, intimidating voicemails and seemingly complicated legal notices might lead you to pay whatever is being asked of you or cause you to ignore the matter altogether. However, debt collectors aren’t as untouchable as they may seem—you have rights and they have certain […]

FDCPA Violation Attorneys in N.C.

North Carolina law has included a state debt collection law that are similarly stringent to the federal FDCPA. Both laws are in place to protect you against debt collection abuse by allowing consumers to sue and to obtain actual or statutory damages. The North Carolina law allows consumers to recover damages between $400 and $4,000, […]

$475,000 Settlement For Tenants Who Paid Unlawful Fees

A North Carolina judge approved a $475,000 settlement for tenants claiming they paid excess eviction fees, violating debt collection laws. Tenants of Glenwood Raleigh Apartments and Sterling Glenwood Apartments argued the property managers unlawfully assessed eviction fees. The class action, initially filed in Wake County Superior Court on June 30th, 2017, alleged that the defendants […]