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Debt Collectors calling your Cell? What is the TCPA?

A lot of people think it is OK for a bill collectors and salespeople to call or text you on your cell. Well, most of the time, a lot of times it’s not…and it can cost them $500 to $1500 a call under the Federal Telephone Consumer Protection Act or TCPA.

Few people know about the TCPA   It was passed by the United States Congress over 20 years ago. The law says, in a nutshell,

  • companies, not just debt collectors and your creditors,
  • can’t call or text your cellphone
  • with an autodialer (ATDS) or with a pre-recorded message
  • without your consent and if they do
  • it’s $500- $1500 for each call or text made, whether you answer it or not.

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Harassed by Scammers?

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While the Telephone Consumer Protection Act, (“TCPA”) protects you from unwanted robo calls it doesn’t help with illegal scammers. You could sue them if you could find them but you usually can’t.

However, there is plenty you can do though. Continue reading

Supreme Court Gets it Right in Spokeo

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“Corporations took a shot at gutting America’s privacy laws, and they missed.” – Paul Bland

The Supreme Court has held in Spokeo, Inc.v. Robins, that, in a nutshell, consumers are injured even if they don’t lose money on credit report violations. Corporations can’t get away with violating consumers’ rights under the Fair Credit Reporting Act (FCRA) just because the consumer can’t point to losing a specific dollar figure because the corporation violated federal law. Continue reading

ABC Financial Services Spam Text Pre Recorded Messages

ABC Financial Services sued for sending Spam Text and Pre-recorded Messages about Crunch Fitness membership the Client never had

ABC Financial made both Spam Text and Pre-recorded Calls

Recently we sued ABC Financial Services Inc. (ABC) on behalf of one of our clients. We filed the lawsuit in the Federal Court of the Central District of California. In the lawsuit, our client alleges that ABC both called her cell phone with pre-recorded messages and sent spam texts telling her they had an important message about a problem with her Crunch Fitness membership. Continue reading

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