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Wahl v Midland Credit Management (MCM) — Midland illegal interest charges
Wahl v. Midland Credit Mgmt., Inc., 556 F.3d 643 (7th Cir. 2009). Because of interest and late fees, a debt of less than $70 ballooned to over $1000 by the time a bad debt buyer purchased it. The buyer stated that the balance it bought was “principal” and added its own interest thereafter. The...
Encore Capital Group “ECPG” 2018 SEC K-10
The 2018 Encore Capital Group (Midland Funding and MCM parent company) 10-K filing is quite interesting. From http://investors.encorecapital.com/node/16071/html Legal Action. We generally refer accounts for legal action where the consumer has not responded to our direct mail efforts or our calls...
FDCPA must be amended to ensure consumers can sue for litigation abuse
I was just looking for other cases involving collection attorneys' misconduct at the National Consumer Law Center at https://library.nclc.org/node/1969851 and I'm SHOCKED to see that in some states you can't even sue for FDCPA claims arising from litigation because of the "litigation privilege."...
3/26/19 my 2nd Amended Complaint against Midland, MCM, Bursey & Associates and their attorneys
I filed my 2nd amended complaint today and it's been a LONG SEVEN years in justice court, Phoenix federal court, 9th circuit court of appeals and for the last year back in Phoenix federal court. Below is a long excerpt from the complaint and I'm hoping that many other consumers will find this...
Great ruling against Portfolio Recovery
The new Wordpress so sucks -- NO quotes, hardly any formatting options. So this is from NCLC:Evans v. Portfolio Recovery Assoc., 889 F.3d 337 (7th Cir. 2018). Four consumers separately disputed amount of their debts with debt buyer who reported each debt to consumer reporting agencies without...
Appeals court remands Afewerki v. Anaya Law Group
http://www.creditandcollectionnews.com/viewer.php?url=https%3A%2F%2Fwww.bna.com%2Flawyers-face-debt-n73014463356%2F By Chris Bruce A federal appeals court Aug. 18 reinstated a Fair Debt Collection Practices Act suit against a law firm that misstated the principal and interest due on a credit card...
Finally, the appeals court decided my case against Midland, its attorneys and Equifax and
I filed my appeal reply brief on 8/22 last year, can't believe how long this took! Docket Text: FILED MEMORANDUM (MARY M. SCHROEDER, A. WALLACE TASHIMA and MILAN D. SMITH, JR.) The parties shall bear their own costs on appeal. AFFIRMED in part, REVERSED in part, VACATED in part, and REMANDED....
Texas jury imposed $25 million penalty against debt buyer Onwuteaka
http://www.houstonchronicle.com/news/article/Jury-imposes-25-million-in-civil-penalties-11203956.php ... A state district court jury Wednesday imposed $25 million in civil penalties against a Houston debt buyer and the companies he controls for unscrupulous collection practices that...
CFPB Debt Collection Complaint Report
It seems like we have a lot of complaints and statistics, but nothing ever changes: CFPB Monthly Complaint Snapshot Spotlights Debt Collection Complaints TABLE 13: MOST-COMPLAINED-ABOUT COMPANIES FOR DEBT COLLECTION Company -- 3 month average: Jul - Sep 2016 -- % change vs. 3 month period last...
Credit scores utilize phone data to determine risk
From No Credit History? No Problem. Lenders Are Looking at Your Phone Data ... FICO’s partner EFL sends psychological questionnaires of about 60 questions to potential borrowers’ mobile phones. With Lenddo’s technology, FICO can check if users’ phones were physically present at their stated home...
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Collection and Litigation ABUSE Documented
Christine Baker v. Midland Funding LLC, Midland Credit Management Inc., Bursey & Associates P.C. Barry Bursey, Jason LeRoy, Monica Derrick and Gina ScaleseIn summer 2012 Midland Funding sued me in Kingman justice court. I prevailed as the statute of limitations had expired. I discovered that Midland charged interest for time PRIOR to its purchase of charged of accounts.
I sued and judge Campbell quickly dismissed ALL my FDCPA claims. Judge Steven Logan was assigned and quickly dismissed my FCRA claims.
The 9th circuit court of appeals reversed and I hope to finally get to the jury in 2020.