Debt Collection Archives

Comments on Interagency Guidance Regarding Unfair or Deceptive Credit Practices

October 27, 2014

The National Consumer Law Center, on behalf of its low-income clients, the Center for Responsible Lending, Consumer Action, the Consumer Federation of America, the National Association of Consumer Advocates, the New Economy Project, and U.S. PIRG, write to comment on the issuance of the Interagency Guidance regarding Unfair or Deceptive Credit Practices (“Guidance”) and the…

Time to Update the Credit Practices Rule

December 1, 2010

CFPB Should Modernize FTC Rule Addressing Abusive Creditor Collection Practices The FTC’s Credit Practices Rule protects consumers from abusive contract provisions that are designed to give the creditor an upper hand in collections and to evade legal protections for the debtor. The rule prohibits confessions of judgment, exemption waivers, irrevocable wage assignments, non-purchase security interests…

Amicus Brief: Ochoa v. Ford Motor Company

May 6, 2024

NCLC joined other consumer and workers’ rights advocates in this case involving equitable estoppel and forced arbitration. The amicus brief explains how an arbitration-specific version of equitable estoppel imposed by some courts to allow non-signatories to enforce an arbitration clause is wholly divorced from the traditional principles and interpretations of the doctrine, which require a…

Bland v. Carolina Lease Management Group et al

November 7, 2025

This class action challenges exploitative rent to own contracts for storage sheds.

Carolina Lease Management Group v. Greene

January 2, 2026

Carolina Lease Management Group v. GreeneNo. 21 CvD 134 (Jones Cty. Super. Ct., N.C.) This case involves a class counterclaim filed in response to a replevin action. The counterclaim alleges that Mr. Greene and hundreds of others like him entered into a rent to own contract for storage sheds with Carolina Lease Management Group. The…

Reimann et al v. Midland Funding, LLC et al

October 29, 2022

This class action complaint alleged claims under the State Rosenthal Act Fair Debt Collection suit against Midland and a law firm in California.The suit alleged that the defendants used false affidavits of personal knowledge in collection actions and that the law firm used automated procedures for sending dunning letters and filing lawsuits with little to no meaningful attorney input.

Royal et al v. Judgment Acquisitions Unlimited et al

June 13, 2025

This class action complaint, filed in late 2023, seeks damages and injunctive relief against an attorney and a junk debt buyer and debt collector challenging their practices of misleadingly and inaccurately asserting amounts due in debt collection attempts to consumers and in small claims court, including collecting amounts that were not actually due.

State Policy Resources: Consumer Debt Collection

December 17, 2025

This resource compiles a variety of materials that are relevant to consumer advocates working on policy reforms related to the collection of unsecured consumer debts (credit card debts, medical debt, etc.).

Comments re: Bureau of Prisons' Proposed Rule on "Reservation of Funds for Reentry Under the First Step Act"

January 8, 2024

NCLC submitted comments, co-authored by the Fines and Fees Justice Center and joined by five other organizations, in response to the Bureau of Prisons’ (“BOP”) Proposed Rule on “Reservation of Funds for Reentry Under the First Step Act.” In these comments, we argue that the BOP must revise its Proposed Rule to better accord with…

No Clear Relationship Between Wage Seizure Protections and Access to Credit

February 6, 2024

When state advocates seek to increase protections for working people’s wages, opponents, broadly citing academic literature to support their position, often argue that increased protections for wages will decrease access to credit or increase the cost of credit. Upon closer inspection, however, many of these studies do not examine wage seizure at all, or, when…

Comparing State Debt Collection Policies

March 14, 2024

Across the country, state trial courts are inundated with high volumes of debt collection lawsuits. These lawsuits frequently result in judgments for the creditor, often by default, and may lead to seizure of consumer wages or money in a bank account. This webinar presents three policy resources and discusses how they can be used in…

Watch Recording Read More about Comparing State Debt Collection Policies

Credit, Debt, and Foreclosure - Consumer Law Basics

March 5, 2024

This free, four-part consumer debt program provided the knowledge attorneys need to assist low-to-moderate-income clients.

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