Pending Class Action Lawsuits
Tercia Pereira v. Santander Consumer USA, Inc.
Lee v. Greenspoon Marder, P.A.
Lusskin v. Rick’s Cabaret Int'l, Inc.
Chignoli v. Allied Interstate, LLC
Practice Areas
- FDCPA Violations
- Debt Collection Defense
- Condo & HOA Liens
- Mechanic's Liens
- Class Action Lawsuits
- Arbitration Awards
- ATM Violations
- TCPA Violations
- Text Messages
- Junk Faxes
- FACTA Violations
- Wage & Bank Garnishment
Defending debt collection lawsuits and suing abusive debt collectors under the FDCPA
Fair and Accurate Credit Transactions Act (FACTA)
The Fair and Accurate Credit Transactions Act, 15 U.S.C. §1684, was established in 2003 to help curb identity theft. Under FACTA, no merchant shall print more than the last 5 digits of your credit card number or the expiration date of your credit card upon any receipt provided at the point of sale. If you have received a merchant receipt which is in violation of FACTA, you may be entitled to $1,000.00 dollars for each infraction of the law.
Electronic Funds Transfers Act (15 U.S.C. § 1693)
Many people are unaware that ATM operators must provide certain notices with regard to the fees charged to consumers. In accordance with federal law, all ATM machines must disclose that a fee will be charged to a consumer on the outside of the machine (if indeed a fee will be charged). Additionally, the machine must also disclose the precise amount of the fee charged to a consumer on the ATM screen (prior to a consumer completing the transaction). If you have been charged a fee for an ATM transaction without either one of these notices, you may be entitled to recover $100.00 dollars to $1,000.00 dollar per each violation of the law.
The FACTA statute also allows consumers to obtain a free copy of their credit report so that they may monitor and prevent identity theft. Prior to FACTA being enacted by Congress, a consumer was forced to request a copy of their credit report directly from one of the three national credit bureaus: Experian, TransUnion, and Equifax. Of course, they would charge up to $9.50 to get a copy of their (largely inaccurate) credit report. Fortunately, consumers can now obtain a free credit reports are available through the website, www.annualcreditreport.com . Additionally, consumers may order by telephone at (877)322-8228 or use the mail in the form located at www.annualcreditreport.com/cra/requestformfinal.pdf
Banks vs. Consumers (Guess Who Wins)
The business of resolving credit-card disputes is booming. But critics say the dominant firm favors creditors that are trying to collect from unsophisticated debtors
Dateline NBC Exposes the Sleazy Debt-Collection Industry
In some splendid investigative reporting, Hansen shows just how brazen third-party debt collectors can be. In one case, a collector threw a string of insults at a consumer. In another, a collector indicated that an alleged debtor was going to be thrown in jail.
Credit card companies can be as slippery as a handful of greased Jell-O. They have all kinds of tricks to gouge your wallet and drive up your bill. While arguably unfair, all these tricks are legal, leaving you no alternative but to stay as informed as possible to protect yourself.
Aggravated Cardholder Turns The Tables
This is the story of one man who, in some small way, is fighting back. It's the story of a man who, driven by the sarcasm of another, decided take on the system.