FCCPA Judgment Against Frontier Communications

An Orange County Judge entered a Final Judgment against Frontier Communications for violation of the FCCPA.     Kelly and Dawn Garner sued Frontier Communications for damages for violations of the Florida Consumer Collection Practices Act which prohibits debt collectors and any person from engaging in abusive, deceptive, and unfair practices.  Frontier Communications billed the Garners for services that they never received.    Frontier Communications was represented by Jennifer Lada and Charles Wachter of Holland & Knight.  A Final Judgment against Frontier Communications was entered awarding Plaintiff, Kelly Garner, statutory damages in the amount of $1,000.00.   All other claims were dismissed, including Frontier's Counterclaim.

On June 25, 2018, in accordance with the Final Judgment, Plaintiff filed his Motion for Attorney’s Fees and Costs.  In addition to seeking fees for legal services for  trial and pretrial legal activities, the Motion sought fees for litigating the amount of fees.  Holland & Knight vigorously opposed that portion of the motion seeking fees-for-fees relying on the holdling of  State Farm v. Palma.  However, Holland & Knight.was unable to produce any legal authority in support of its position that a plaintiff is not entitled to fees-for-fees in an FCCPA case.

Frontier Communications has a history of billing issues.  People battling Frontier Communications over Billing Issues, Overcharges. 

Broad and Cassel fights decorated, disabled war veteran over medical bill

In October of 2017, Debt Relief Law Center filed a lawsuit under the Florida Consumer Collection Practices Act against Gold Key Credit and Florida Emergency Physicians Kang & Associates, MD (FEP) because my client was receiving collection letters for medical services that were paid by the VA. I alleged, among other things, that my client was "a decorated combat war veteran with 100% disability." In response to this allegation, Attorney John P. Gaset of Broad and Cassel, LLP responded to that allegation with the following: "FEP moves to strike the allegations contained in this paragraph as they are immaterial, impertinent, and/or scandalous. Fla. R. Civ. P. 1.140(f). In further defending the lawsuit, Broad and Cassel are seeking to recover its client's attorney's fees from this indigent, disabled, combat veteran.

How To Stop Debt Collectors from Calling.

Many consumers are behind in paying their bills?  And, many consumers are receiving calls from debt collectors.  Fortunately, the law says how and when they can do that.  For example, they can’t call before 8 a.m., after 9 p.m., or while you’re at work if the collector knows that your employer doesn’t approve of the calls.  Debt Collectors may not harass you or lie when they try to collect a debt.  And, if you ask them in writing to stop calling, they have to stop.

Debt Collectors must send you a written “validation notice” telling you how much money you owe within five days after they first contact you.  The notice must include the name of the creditor to whom you owe the money.

If you don’t want the collector to contact you again, ask for the collector’s mailing address and tell them – in writing – to stop contacting you.  Keep a copy of your letter for your files.  Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received.  Once the collector gets your letter, they are not allowed to contact you again.  Sending a letter to a debt collector you owe money to doesn’t get rid of the debt, but it should stop the contact.  The creditor or the debt collector still can sue you to collect the debt.

If this doesn’t work, contact me at 888-877-5103 or visit our website at www.ConsumerRightsOrlando.com.

Can a Debt Collector Insist That I Call Them Back?

Can a debt collector insist that I call them back?

Can a debt collector insist that they be called back that same day? Consumers are frequently confronted with this demand by debt collectors. “I must hear from you by 4:00 pm today?”

The Staff Commentary by the Federal Trade Commission ('FTC'), the agency charged with enforcement of the FDCPA, states that “[it] is a violation [of law to send any communication that conveys to the consumer a false sense of urgency.”


So, not only does that consumer not have to call back, they may have a case for violation of the Fair Debt Collection Practices Act. In such cases, the consumer can easily find an attorney who will represent them at no charge to them.

Collection Calls or Voicemails from Wetlman, Weinberg and Reis?

Weltman Weinberg and Reis, LPA is a debt collection law firm based in Cleveland, Ohio, that files and litigates debt collection suits throughout the United States.The firm was founded 1930 and has roughly 950 employees in nine offices throughout the United States. Weltman Weinberg & Reis, LPA specializes in bankruptcy, real estate default, consumer and commercial collection agency services.  Weltman Weinberg and Reis, LPA claims to be the largest creditors' rights firm in the country.  Weltman Weinberg & Reis, LPA represents clients on retail, real estate default, commercial and collection matters involving bankruptcy, foreclosure, evictions, probate, compliance & defense litigation, collection recovery, collection litigation & post-judgment executions, complex collections & litigation, contract review, real estate title and closing services, insurance subrogation, and corporate & financial services. Weltman Weinberg and Reis, LPA has nine offices located in Brooklyn Heights, OH; Chicago, IL; Cincinnati, OH; Cleveland, OH; Columbus, OH; Detroit, MI; Fort Lauderdale, FL; Philadelphia, PA; and Pittsburgh, PA, WWR attorneys licensed to practice in Florida, New York, Illinois, Indiana, Kentucky, Michigan, New Jersey, Ohio and Pennsylvania.

In Monty v. Weltman Weinberg & Reis Co., LPA, 2013 U.S. Dist. LEXIS 174011 (S.D. Fla. Dec. 11, 2013), the consumer alleged that beginning in approximately early 2013 and continuing through at least July 2013, he received multiple telephone calls per week on his home telephone at phone number from the law offices of Weltman, Weinberg & Reis with regard to an alleged debt that the law firm was trying to collect from him. The telephone calls resulted in numerous messages being left on Monty’s home answering machine and he contended that Weltman, Weinberg & Reis called him at least 200 calls between January 2013 and July 2013. During this same time period, Weltman, Weinberg & Reis repeatedly called an acquaintance of Monty’s and left, and left 15 voice messages on the acquaintance’s answering machine. Weltman, Weinberg & Reis did not have the prior consent to communicate with Monty’s acquaintance concerning the alleged debt. Weltman, Weinberg & Reis moved to dismiss the Complaint on the basis that the Complaint failed to identify properly the acquaintance or state the acquaintance was an improper third party under the FDCPA. In addition, Weltman Weinberg & Reis Co., LPA contended that the Complaint did not allege that the telephone calls were harassing to constitute a valid claim under the FCCPA. The District Judge denied the motion ruling that based on the allegations in the Complaint, Monty had established a valid claim under the FDCPA.

Collection Calls or Voicemails from Unifund CCR Partners

Unifund CCR Partners was founded in 1986 and was one of the first companies to purchase defaulted consumer receivables. Unifund's founder and chief executive officer, David G. Rosenberg, founded Unifund to purchase and collect returned checks. In 1989, Unifund began buying distressed loan portfolios on a national scale from small banks and retailers. One year later, the company began purchasing portfolios from large financial institutions. Unifund CCR is headquartered in Cincinnati, Ohio, and it is one of the largest buyers and operators of consumer debt in the nation. In Unifund CCR Partners vs. Youngman, the court reversed a lower court order granting Unifund CCR Partner's motion for summary judgment. Unifund CCR alleged that it was the assignee of Chase Bank, and sued the consumer for breach of contract and account stated, seeking to recover attorneys' fees and the balance owed on a credit card issued to the consumer. The lower court granted Unifund CCR's motion for summary judgment, but the appellate court held that the consumer's cross motion for summary judgment should have been granted instead. The Appellate Court concluded that, to establish standing, Unifund CCR was required to "submit evidence in admissible form establishing that Chase had assigned its interest in [the consumer's] debt to [Unifund CCR]," but it failed to do so. Unifund CCR submitted an affidavit of its agent, a "Legal Liaison" employed by Unifund CCR rather than Chase, as well as credit card statements and account balance documents. The Court found that Unifund CCR did not submit the "requisite business records to establish its standing." The "Legal Liaison" employed by Unifund CCR did not establish personal knowledge of Chase's business practices or procedures, and failed to establish "when, how, or by whom the credit card statements and account balance documents were made and kept." Because Unifund CCR did not establish a proper foundation for the admission of the credit card statements and account balance documents under the business record exception to the hearsay rule, the appellate court held that Unifund CCR did not establish its standing as assignee of Chase Bank. Thus, the consumer's motion for summary judgment against Unifund CCR was granted.

Judge Dismisses Student Loan Lawsuit

Leon County, Florida Circuit Judge, John C. Cooper, dismissed a lawsuit filed by National Collegiate Student Loan Trust for breach of contract in connection with an allegedly defaulted student loan.    Judge Cooper ruled that the complaint was defective in that it failed to attach a copy of the contract sued upon.
In response to the order dismissing the Complaint, National Collegiate Student Loan Trust filed an Amended Complaint, with several attachments, including what it contended was a copy of the assignment from the original lender.  However, the assignment offered by National Collegiate Student Loan Trust was to an entity named National Collegiate Funding, LLC and not the Plaintiff in the action.

National Collegiate Student Loan Trust v. Harvey, 2013-CA-2278.