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Credit Corp Solutions, Inc.

At The Langel Firm, we defend collection lawsuits, wage garnishments, and bank seizures. If you're grappling with credit card debt, medical bills, tuition fees, or any other consumer-related debts, we're here to assist. Our expertise lies in judgment-enforcement defense, particularly in cases involving wage garnishments, bank seizures, and legal suits (summons and complaints). We also offer flexible payment plans tailored to your needs.

Credit Corp Solutions, Inc. is located at 121 West Election Road, Suite 200, Draper, UT 84020, according to their website. Toll Free: 800-483-2361.

If you need help, call us at (888) 271-7109, or complete this form.

Credit Corp Solutions, Inc.: Complaints on Better Business Bureau Highlight Aggressive Collection Tactics

Pattern of Complaints:

  1. Unsolicited and aggressive attempts at debt collection based on inaccurate or fraudulent information.
  2. Claims of being associated with PayPal and seeking collections for accounts that complainants either do not recognize or did not authorize.
  3. Usage of inappropriate or misleading means of contact, including spoofed phone numbers and outdated mailing addresses.
  4. Refusal or reluctance by company representatives to provide valid or verifiable information about the company or the claimed debt.
  5. Targeting vulnerable individuals, such as senior citizens or those with medical conditions, with aggressive collection tactics.

Source: Better Business Bureau

Fair Debt Collections Practices Act (FDCPA) Case Against Credit Corp Solutions, Inc.

Plaintiff filed a class action lawsuit against Credit Corp Solutions Inc., alleging that their debt collection letter dated February 20, 2020, violated the Fair Debt Collections Practices Act (FDCPA). Specifically, Plaintiff claimed that the letter unlawfully threatened to refer her unpaid account for attorney review for potential legal actions, while the defendant had no intention of actually doing so. Credit Corp Solutions Inc. moved to dismiss the claim, arguing that the letter simply indicated the possibility of referral for attorney review, which is not actionable under the specified sections of the FDCPA.

Three Key Points of Law:

  1. Under the FDCPA, certain misleading or deceptive practices by debt collectors are prohibited.
  2. A claim under the FDCPA requires a demonstration that the communication in question is misleading or deceptive to the least sophisticated consumer.
  3. Merely indicating the possibility of referral for attorney review without a clear threat of legal action may not be actionable under the FDCPA in the Second Circuit.

Conclusion: The court granted the defendant's motion to dismiss, highlighting the importance of distinguishing between clear threats of legal action and mere indications of potential attorney review in debt collection communications. This ruling underscores the need for clarity and specificity when evaluating potential violations of the FDCPA.

Case Citation: Stacie A. MIKHAEL v. CREDIT CORP SOLUTIONS INC., United States District Court, E.D. New York, 20-CV-02908(KAM)(RLM), 2021 WL 2434325, Signed 06/15/2021.

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