The Armstrong Law Center has represented clients in pursuing and defending matters relating to the Fair Debt Collection Practices Act (FDCPA). This body of federal law defines who is a debt collector and the proper procedure for attempting to collect debts. Throughout his career Mr. Armstrong has represented both consumer and debt collectors in this area of the law. This valuable experience positions the Armstrong Law Center in such a manner as to thoroughly evaluate the strengths and weaknesses of individual and class cases from the perspective of both sides.
Mr. Armstrong is currently representing putative class members in the Northern District of Alabama against Franklin Collection Services, Inc., Civil Action No. 5:10-CV-1537-AKK, Northern District of Alabama. Even though this matter is ongoing, counsel for the parties have argued, and received a ruling from the Eleventh Circuit Court of Appeals, prohibiting creditors or debt collectors from adding collection costs not expressly agreed upon in the contract with the original creditor. The creditor can no longer use broad language to require the debtor to pay collection costs without specifying the amount or percentage of such costs in advance of the alleged default. In short, the creditor or debt collector cannot arbitrarily add a percentage of the debt as the cost of collection unless such was expressly agreed upon in the original contract.
If you have any questions regarding this case or similar matters, please to not hesitate to contact us at (205) 201-1LAW or Firm@ArmstrongLawCenter.com.