Kramer and Frank, P.C. > Practice Areas > FDCPA, FCRA and Consumer Law Defense
FDCPA, FCRA, Consumer Law Defense
In 1975, Kramer & Frank was founded to represent business clients in litigation matters involving, among many things, consumers and debt collection.  Kramer & Frank has developed a sophisticated understanding of the extensively-regulated environment in which businesses must interact with consumers.  The Fair Debt Collection Practices Act (the “FDCPA”), the Fair Credit Reporting Act (the “FCRA”), the Electronic Funds Transfer Act (the “EFTA”) and the Truth in Lending Act (“TILA”), to name just a few, impose detailed mandates and prohibitions on collection companies and law firms, lenders and financial institutions, and creditors and credit reporting agencies.  The ever-deepening flood of lawsuits that these laws have spawned is often deemed “Consumer Litigation.”

Kramer & Frank has defended such Consumer Litigation for years.  Its attorneys are experts in these areas.
Representative Cases
Kramer & Frank attorneys have successfully defended and resolved:  

Multiple FDCPA cases involving all manner of claims, including allegations that debt collectors:
  • Failed to validate debts
  • Sued in improper venues
  • Pursued collection efforts against improper parties
  • Secured judgments without proper notice to the defendant
  • Threatened legal actions that the collector did not intend to take
  • Wrongfully garnished judgment debtors’ wages or accounts
  • Made repeated and harassing telephone calls; and
  • Somehow violated every provision of the United States Constitution’s Bill of Rights by seeking to collect a debt.
Claims that a credit union failed to give the complete notice of dispute resolutions procedures under the EFTA and failed to properly investigate a dispute regarding a series of purportedly fraudulent checking account transactions.

Multiple FCRA cases brought against a Mid-West affiliate of one of the “Big Three” credit reporting agencies.
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