The law firm of Philipps & Philipps, Ltd., represents consumers who have been abused by illegal debt collection actions or subjected to improper credit reporting practices. Most of our lawsuits are filed pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692, et. seq.
Our practice consists mainly of litigation on behalf of consumers who have been defrauded, subject to illegal collection activity, or improper credit reporting. David Philipps and Mary Philipps have been appointed class counsel in about 160 cases, which have recovered more than $50,000,000 for defrauded or abused consumers.
We represent consumers against collectors who:
- Use obscene or profane language
- Attempt to collect debts that have been discharged in bankruptcy
- Threat the use of violence or other illegal collection means
- Call at unreasonable hours
- Misrepresent the consumer's legal rights
- Share information about a consumer's debts with neighbors, friends or an employer
- Obtain information about a consumer through false pretenses
- Impersonate public officials and attorneys
- Demand payment on debts that are time-barred, discharged in bankruptcy, or have already been paid in full
- Report improper information on a consumer credit report.
Are you experiencing something like this? If so, please contact us for a consultation.
Developments in Consumer Law
Posted March 11, 2014
Philipps & Philipps, Ltd. Present at National Consumer Law Center’s Fair Debt Collection Practices Act Conference March 8-9, 2014, in San Antonio, TX
Dave and Mary Philipps presented at the 2014 National Consumer Law Center’s Fair Debt Collection Practices Act Conference on March 8-9, 2014, in San Antonio, Texas. During the introductory level consumer attorney track, Dave and Mary shared their 20+ years of experience litigating FDCPA cases based on collection letters in a session titled, “Selecting, Developing, Valuing Letter and Overcharge Cases”. Additionally, Dave presented to experienced consumer attorneys on FDCPA Case Developments along with attorneys Dick Rubin and Cathy Combs, and spoke on a panel with National Consumer Law Center Deputy Director Bob Hobbs and Consumer Financial Protection Bureau Chief of Enforcement Jean Healey on CFPB's Fair Debt Collection Practices Rulemaking.
In addition to presenting at multiple sessions at this year’s conference, Philipps & Philipps also helped raise over $13,000 towards scholarships for the conference, in order that attorneys from legal services would be able to attend the conference.
For more information about future NCLC conferences, including the November 6-9, 2014 Consumer Rights Litigation Conference in Tampa, Florida, visit http://www.nclc.org/conferences-training/conferences.html.
To view the presentation materials for the introductory level consumer attorney track are available online at http://www.nclc.org/conferences-training/introductory-course-material-2014.html.
Posted March 10, 2014
Why do debt buyers frequently file suit on bad, unwarranted, and often erroneous information?
In his recent article, available on the Federal Reserve Bank of Boston’s Website, Peter Holland, Director and Clinical Instructor at the University of Maryland School of Law Consumer Protection Clinic, answers the question, “ Why do debt buyers frequently file suit on bad, unwarranted, and often erroneous information?” Holland explains,
“Debt is sold at low prices when banks have little or no documentation to provide the buyer—often just an electronic Excel spreadsheet and a few monthly statements. The contracts of sale between bank and debt buyer (also known as forward-flow agreements) typically contain broad disclaimers of warranty, including warranty of title, legality, validity, documentation, or accuracy.”
Consumers who believe they have been sued for a debt that was never owed, or is beyond its statute of limitations, or was discharged in bankruptcy, face difficulties obtaining copies of these forward-flow agreements. This is why it is so important to contact an attorney with experience dealing with consumer debt. If you live in Illinois or Indiana and you believe you have been sued on a debt you don’t owe, you can contact us to discuss your concerns.
To read more of Peter Holland’s article on the Federal Reserve Bank of Boston’s Website, follow this link: