Stubbs & Perdue has extensive experience in debt collection litigation, and frequently defends borrowers in court against the unfair, deceptive, and misleading collection actions of banks, mortgage companies, mortgage servicers, collection agencies, credit unions, credit card companies, landlords, insurance companies, and other creditors, in state and federal courts across the State of North Carolina. These matters involve a wide variety of claims, including those for alleged violations of the Fair Debt Collection Practices Act (“FDCPA”), the North Carolina Unfair and Deceptive Trade Practices Act (“UDTPA”), the North Carolina Debt Collection Act (“NCDCA”), the North Carolina Collection Agency Act (“NCCAA”), the Fair Credit Reporting Act (“FCRA”), the Real Estate Settlement Procedures Act (“RESPA”), the Truth in Lending Act (“TILA”), the Consumer Credit Protection Act (the “CCPA”), and the Telephone Consumer Protection Act (“TCPA”). Stubbs & Perdue, on behalf of its clients, has prosecuted civil actions against some of the largest and most sophisticated financial institutions, mortgage servicers, credit unions, collection agencies, and creditors in the United States of America.
Typical situations protected by federal and state laws and regulations prohibiting unfair and deceptive debt collection methods, include:
Stubbs & Perdue has reached favorable resolutions of such matters on behalf of a number of its individual clients.