A class action lawsuit has been filed in the Eastern District Court of Pennsylvania against First Financial Asset Management, Inc., a Georgia-based collection agency, for violations of the Fair Debt Collection Practices Act (FDCPA) which prohibits debt collectors from engaging in abusive, deceptive and unfair collection practices. Class members seek injunctive, compensatory and punitive relief.
Specifically, the complaint alleges that on or about May 21, 2004, First Financial sent a dunning letter to Marian Blocker which attempted to coerce her into paying a debt. The letter stated, “It is expected that you will contact this office upon receipt of this letter. In the event that you do not, your failure to respond will be duly reflected on your file.”
Blocker alleges that this letter was the initial communication from First Financial and that they did not send any written communications to her about the actual debt until five (5) days after she received the first letter. Afterwards, First Financial contacted her between May and August of 2004 and allegedly tried to annoy, harass and abuse her. Matters got worse and she claims that representatives or First Financial yelled and screamed at her, hung up on her, promised to make deals with her and then rejected those deals later, all of which she alleges are in violation of the FDCPA.