deep dive: debt collection litigation, trends statistics · 2016. 3. 22. · deep dive: debt...
TRANSCRIPT
Deep Dive: Debt Collection Litigation, Trends & Statistics
Thursday, November 3, 2011
2:00 p.m. – 2:45 p.m.
Tim Collins, associate director of compliance,
Hyundai Capital America, Irvine, Calif.
Mike Frost, senior vice president andgeneral counsel, The CBE Group Inc., Waterloo,
Iowa
Legal Disclaimers
This information is for the use of attendees only. Any distribution,
reproduction, copying or sale of this material or the contents hereof
without consent is expressly prohibited.This information is not to be construed as legal advice. Legal advice
must be tailored to the specific circumstances of each case. Every
effort has been made to assure that this information is up‐to‐date
as of the date of publication.It is not intended to be a full and exhaustive explanation of the law in
any area. This information is not intended as legal advice and may
not be used as legal advice. It should not be used to replace the
advice of your own legal counsel.The opinions expressed are the views of the authors alone and should
not be attributed to any other individual or entity.
Federal Cases Filed
Summary Slide
• August 2011 = 1018 lawsuits• August 2010 = 851 lawsuits (19.62% increase to 2011)• August 2009 = 725 lawsuits (40.41% increase to 2011)
• Some of the states that had an increase in cases are:
State 2011 Cases 2010 Cases % Increase
Louisiana 7 1 600%
Virginia 17 4 325%
Indiana 25 7 257%
Tennessee 21 7 200%
Idaho 3 1 200%
4
5
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Top 5 Filing States
• It should be noted there continues to be a significant number of
cases being filed outside of the
plaintiff’s state of residence. Over 8% of all
FDCPA litigation for the month
was filed by plaintiffs that
resided outside that specific jurisdiction.
YTD 2011 YE 2010 YE 2009
State # Cases % Total State # Cases % Total State # Cases % Total
1. California 886 5.80% 1. California 1231 12.21% 1. California 1150 13.67%
2. Florida 840 5.49% 2. Florida 1119 11.10% 2. New York 896 10.65%
3. New York 682 4.46% 3. New York 963 9.55% 3. Florida 808 9.54%
4. Pennsylvania 463 3.03% 4. Pennsylvania 722 7.16% 4. Pennsylvania 626 7.44%
5. Colorado 440 2.88% 5. Colorado 485 4.81% 5. Illinois 574 6.82%
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Top 5 US Districts
• For all U.S. District Court filings in August, the
five states with the highest filings were
California
(133),
Florida (110),
New York
(106),
Pennsylvania (81), and New Jersey (65). These
five states
represent 48% of all the FDCPA/TCPA
cases filed in the U.S. and Puerto Rico in US District Courts for
the month. Case filings in
Colorado and
Illinois
should also be noted with fifty‐nine and fifty‐seven
cases, respectively.
August 2011 YTD 2011 YE 2010
District # Cases % Total District # Cases % Total District # Cases % Total
1. New Jersey 65 6.84% 1. PA Eastern 475 3.11% 1. FL Southern 643 6.38%
2. PA Eastern 62 6.53% 2. Colorado 440 2.88% 2. CA Central 625 6.20%
3. Colorado 59 6.21% 3. CA Central 425 2.78% 3. IL Northern 582 5.77%
4. FL Middle 59 6.21% 4. FL Southern 418 2.73% 4. Colorado 485 4.81%
5. CA Central 58 6.11% 5. New Jersey 411 2.69% 5. PA Eastern 466 4.62%
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Top 5 Attorneys
• Pro Se
is legal representation that refers to the instance of a person
representing himself or herself without a lawyer
in a court proceeding.
• This is only Attorneys, does not include Law Firms such as Krohn
& Moss.
August 2011 YE 2010 YE 2009
Name#
Cases % Total State Name#
Cases%
Total State Name#
Cases%
Total State
1. Pro Se 51 5.01% 1. Pro Se 336 3.33% 1. Pro Se 316 3.76%
2. Yaakov Saks 34 3.34% NJ 2. Sergei Lemberg 332 2.66% CT 2. Ryan Lee 306 3.64% CA
3. Michael S Agruss 33 3.24% TX 3. David Michael Larson 268 2.66% CO 3. Nicholas J Bontrager 227 2.70% CA
4. Shireen Hormozdi 33 3.24% FL 4. Todd M Friedman 258 2.56% CA 4. Sergei Lemberg 206 2.45% NY
5. David Michael Larson 32 3.14% CO 5. David Philipps & Mary Philipps 208 2.06% IL 5. David Michael Larson 194 2.31% CO
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•These top Law Firms make up almost 42% of all FDCPA Cases filed in 2011.
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Top Law Firms Total Cases (YTD 2011)Rank Counsel # Cases % of Total Cases Most Court District # Cases % of Cases
1 Sole Practitioner Attorneys 791 10.35% Colorado 239 30.21%
2 Krohn & Moss, Ltd. 652 8.53% California Central 101 15.49%
3 Lemberg & Associates, LLC 434 5.68% Massachusetts 39 8.99%
4 Pro Se 417 5.46% Massachusetts 32 7.67%
5 Kimmel & Silverman, Lemon Law Attorneys 348 4.55% PA East 197 56.61%
6 Card & Glenn, P.A. 233 3.05% FL South 144 61.80%
7 Larry P. Smith & Associates 173 2.26% California Central 35 20.23%
8 Edelman, Combs, Latturner, & Goodwin, LLC 103 1.35% Illinois Northern 91 88.35%Total Top Law Firm Total Cases 3,151 41.22% PA East 269 8.54%
List of AttorneysAdam J KrohnAdam MaxwellAdam T. HillAgnes Martin
Alicia MandoliniAndrea AlexanderBrent Wikgren
Christopher G. AddyDave TannehillDouglas S. BaekEric KaczanderGregory H MossHarry Bradley
Heather AntoineJames D PacittiJennifer BasolaJohn D. BarkerLee Cassie YatesMahadhi CorzanoMichael Agruss
Nicholas BontragerPaul MarzanoPeter CozmykRobert KiddieRyan Lee
Sami AzhariScott M CohenTed Greene
14
Krohn & Moss, Ltd. Total Cases (YTD 2011)Rank Counsel # Cases % of Total Cases Most Court District # Cases % of Cases
1 Michael S Agruss 143 1.87% CA Central 20 13.99%
2 James D Pacitti 97 1.27% Florida Middle 55 56.70%
3 Adam T Hill 73 0.95% New York Western 22 30.14%
4 Ryan Scott Lee 72 0.94% Arizona 31 43.06%
5 Peter J Cozmyk 61 0.80% Ohio Northern 24 39.34%
6 Nicholas J Bontrager 47 0.61% California Central 21 44.68%
7 Mahadhi Corzano 40 0.52% California Central 19 47.50%
8 Adam C Maxwell 21 0.27% Missouri Western 11 52.38%
9 Lee Cassie Yates 19 0.25% Kentucky Eastern 11 57.89%
10 Christopher G Addy 18 0.24% California Central 9 50.00%
11 Michael Agruss & Christopher C Hunter 16 0.21% Michigan Eastern 16 100.00%
12 Michael S Agruss & Kimberly A Lucas 10 0.13% Texas Northern 10 100.00%
13 Harry C Bradley 9 0.12% Indiana Southern 7 77.78%
14 Adam Theodore Hill & Adam Jacob Krohn 8 0.10% Illinois Northern 8 100.00%
15 Michael S Bailey & Peter J Cozmyk 5 0.07% West Virginia Southern 5 100.00%
16 Adam T Hill & Christopher C Hunter 3 0.04% Texas Northern 3 100.00%
17 Peter J Cozmyk & Kimberly A Lucas 3 0.04% Michigan Eastern 3 100.00%
18 Gregory H Moss 2 0.03% Wisconsin Western 1 50.00%
19 Peter Jon Cozmyk & Christopher C Hunter 2 0.03% Indiana Northern 1 50.00%
20 John D Barker 1 0.01% Oklahoma Western 1 100.00%
21 Michael S Agruss & Christopher D Smith 1 0.01% Wisconsin Western 1 100.00%
22 Michael S Agruss & Gregory H Moss 1 0.01% Michigan Eastern 1 100.00%
Total Krohn & Moss, Ltd. 652 8.53% California Central 101 15.49%
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List of Attorneys
Brian T. McElroyDiana P. LarsonForrest E. MaysJames D. KellyJennifer Kurtz
Jody Berke BurtonLara Shapiro
Mary M. SmytheSergei LembergStephen Taylor
Susan Schneiderman
16
Lemberg & Associates, LLC Total Cases (YTD 2011)Rank Counsel # Cases % of Total Cases Most Court District # Cases % of Cases
1 Sergei Lemberg 137 1.79% Massachusetts 39 28.47%
2 Lara Ruth Shapiro 85 1.11% California Northern 34 40.00%
3 Diana P Larson 49 0.64% Texas Southern 22 44.90%
4 Jody B Burton 47 0.61% Pennsylvania Eastern 20 42.55%
5 Diana P Larson & Erik V Larson 35 0.46% Texas Western 19 54.29%
6 Forrest E Mays 29 0.38% Maryland 29 100.00%
7 Jennifer M Kurtz 22 0.29% New Jersey 22 100.00%
8 Brian T McElroy 13 0.17% Ohio Northern 8 61.54%
9 James D Kelly 8 0.10% New Hampshire 8 100.00%
10 Mary M Smythe 6 0.08% Louisiana Eastern 2 33.33%
11 Diana P Larson & Sergei Lemberg 1 0.01% Connecticut 1 100.00%
12 Sergei Lemberg & William C Rand 1 0.01% Connecticut 1 100.00%
13 Susan Schneiderman 1 0.01% Texas Western 1 100.00%
Total Lemberg & Associates, LLC 434 5.68% Massachusetts 39 8.99%
List of Attorneys
Amy BennecoffAngela K Troccoli
Christina Gill RosemanCraig Thor KimmelFrederick Davis
JacquelineC HerrittRichard A ScholerRobert A Rapkin
Robert M SilvermanTimothy J Abeel, Jr.
W. Christopher Componovo
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Kimmel & Silverman, Lemon Law Attorneys Total Cases (YTD 2011)Rank Counsel # Cases % of Total Cases Most Court District # Cases % of Cases
1 Craig Thor Kimmel 194 2.54% PA Eastern 163 84.02%
2 Amy Lynn Bennecoff 126 1.65% New Jersey 73 57.94%
3 Christina L Gill Roseman 8 0.10% Ohio Northern 7 87.50%
4 W Christopher Componovo 8 0.10% Deleware 8 100.00%
5 Angela K Troccoli 6 0.08% Connecticut 4 66.67%
6 Amy L Bennecoff & Craig Thor Kimmel 3 0.04% PA Eastern 3 100.00%
7 Amy L Bennecoff & Michael J McNulty 2 0.03% TN Middle 2 100.00%
8 Amy Bennecoff & Christina L Gill Roseman 1 0.01% PA Western 1 100.00%
Total Kimmel & Silverman, Lemon Law Attorneys 348 4.55% PA East 197 56.61%
List of Attorneys
Andrew I. GlennJack D Card Jr.
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Card & Glenn, P.A. Total Cases (YTD 2011)Rank Counsel # Cases % of Total Cases Most Court District # Cases % of Cases
1 Jack Dennis Card Jr & Andrew Ira Glenn 154 2.01% FL South 95 61.69%
2 Andrew Ira Glenn 79 1.03% FL South 49 62.03%
Total Card & Glenn, P.A. 233 3.05% FL South 144 61.80%
List of Attorneys
Adam J FishbeinDavid Michael LarsonDonald A YarboroughJ Mark MeinhardtJames M Feagle Justin T Holcombe
Kenneth William PenningtonMatthew William Kiverts
Phillip C RogersTimothy J SostrinTodd M Friedman
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Sole Practitioner Attorneys Total Cases (YTD2011)
Rank Counsel # Cases % of Total CasesMost Court District # Cases % of Cases
1 David Michael Larson 239 3.13% Colorado 239 100.00%
2 Todd M Friedman & Darin Shaw 151 1.98% California Central 122 80.79%
3 Adam J Fishbein 111 1.45% New York Eastern 107 96.40%
4 J Mark Meinhardt 91 1.19% Missouri Western 48 52.75%
5 Todd M Friedman 84 1.10% California Eastern 32 38.10%
6 Phillip C Rogers 69 0.90% Michigan Western 69 100.00%
7 James Marvin Feagle & Justin Tharpe Holcombe 37 0.48% Georgia Northern 37 100.00%
8 Kenneth W Pennington 3 0.04% PA Middle 3 100.00%
9 Matthew W Kiverts 2 0.03% Illinois Middle 2 100.00%
10 Timothy J Sostrin 2 0.03% Missouri Eastern 1 50.00%
11 James Marvin Feagle 1 0.01% Georgia Northern 1 100.00%
12 O Randolph Bragg & James Marvin Feagle 1 0.01% Georgia Northern 1 100.00%
Total Sole Practitioner Attorneys 791 10.35% Colorado 239 30.21%
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Generating Plaintiffs
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• Blog Sites ( 800.Notes.com, RipOff Report.com)
• Attorney General & BBB Complaints• Media • FaceBook, Twitter, YouTube• Google Adwords • Consumer Financial Protection Bureau
Database• Other Tactics
Joint Marketing Agreements
22
New Plaintiff Attorneys
23
Get the Boot Camp Brochure
24
Blogs & Marketing
25
• ***NOTICE***
The Law Firm of Wacks & Hartmann, LLC is presently conducting an
pre‐lawsuit investigation
concerning Nationwide Credit, Inc. for its telephone messages, communications, and other
practices that violate the federal Fair Debt Collection Practices Act ("FDCPA") and other similar
state consumer protection statutes.
If you, or anyone you may know, have received a "live" or "pre‐recorded" telephone message
from "Cindy Jones" or anyone else, asking you to return a call to (888) 913‐2337, we ask that
you do the following:
(1) Save the recorded message(s) including the time/date the message(s) were received;
(2) Save any letter(s) that you receive; and
(3) Contact our law office via e‐mail or telephone. Please be sure to reference the name
"Nationwide Credit, Inc." and ask for Philip Stern when communicating with us.
Our contact information is as follows:
Philip D. Stern, Esq.
Wacks & Hartmann, LLC
55 Madison Avenue, Suite 320A
Morristown, NJ 07960‐7397
Telephone: (973) 644‐0770
E‐Mail: [email protected]
• Attorney General Complaints
26
Media
27
Create Your Own Media
28
Turns Into Content for Media
29
Added to Social Media
30
Added to Social Media
31
33
Impact of Twitter
34
YouTube
35
More YouTube
36
Even More YouTube
37
Google AdWords
40
It is only Going to Get Easier to Complain
41
CFPB Database
• Federal Register Vol. 76, No. 6• Created July 21, 2010
– Memorandum of Understanding with State Agencies– No process for dealing with frivolous complaints– 300 complaints as of April with 50% coming from
Mortgages• Complaint Sharing
– Federal Agencies– State Attorney Generals– Plaintiff Counsel??– Public
42
Multiple Lawsuits9/13/2002 1:02‐CV‐05007 AHUVA FOGELMAN ADAM JON FISHBEIN NCO FINANCIAL SYSTEMS, INC.6/25/2007 1:07‐CV‐02638 AHUVA FOGELMAN ADAM JON FISHBEIN GERALD E. MOORE & ASSOCIATES, P.C.7/20/2007 1:07‐CV‐02956 AHUVA FOGELMAN ADAM JON FISHBEIN UNITED COLLECTION BUREAU, INC.7/23/2007 1:07‐CV‐02970 AHUVA FOGELMAN ADAM JON FISHBEIN COHEN & SLAMOWITZ, LLP8/9/2007 1:07‐CV‐03286 AHUVA FOGELMAN ADAM JON FISHBEIN LDG FINANCIAL SERVICES, LLC9/5/2007 1:07‐CV‐03708 AHUVA FOGELMAN ADAM JON FISHBEIN AMERICAN RECOVERY SYSTEMS, INC.9/5/2007 1:07‐CV‐03709 AHUVA FOGELMAN ADAM JON FISHBEIN CREDITORS FINANCIAL GROUP, LLC1/3/2008 1:08‐CV‐00036 AHUVA FOGELMAN ADAM JON FISHBEIN NATIONWIDE CREDIT, INC.2/4/2008 1:08‐CV‐00513 AHUVA FOGELMAN ADAM JON FISHBEIN JAMES A. WEST, P.C.
2/22/2008 1:08‐CV‐00750 AHUVA FOGELMAN ADAM JON FISHBEINALLIANCEONE RECEIVABLES MANAGEMENT,
INC.4/10/2008 1:08‐CV‐01490 AHUVA FOGELMAN ADAM JON FISHBEIN NORTHSTAR LOCATION SERVICES, LLC4/10/2008 1:08‐CV‐01492 AHUVA FOGELMAN ADAM JON FISHBEIN FIRST CREDIT SERVICES, INC. 4/16/2008 1:08‐CV‐01579 AHUVA FOGELMAN ADAM JON FISHBEIN ASSOCIATED CREDIT SERVICES, INC.
4/16/2008 1:08‐CV‐01578 AHUVA FOGELMAN ADAM JON FISHBEIN FOCUS RECEIVABLES MANAGEMENT. LLC7/1/2008 1:08‐CV‐02610 AHUVA FOGELMAN ADAM JON FISHBEIN PENNCRO ASSOCIATES, INC.8/28/2008 1:08‐CV‐03527 AHUVA FOGELMAN ADAM JON FISHBEIN NATIONWIDE CREDIT, INC.11/10/2008 1:08‐CV‐04550 AHUVA FOGELMAN ADAM JON FISHBEIN FIRST CREDIT SERVICES, INC. 11/10/2008 1:08‐CV‐04552 AHUVA FOGELMAN ADAM JON FISHBEIN CAPITAL MANAGEMENT SERVICES, LP12/31/2008 1:08‐CV‐05274 AHUVA FOGELMAN ADAM JON FISHBEIN MANN BRACKEN, LLP
1/21/2009 1:09‐CV‐00244 AHUVA FOGELMAN ADAM JON FISHBEIN FREDERICK J. HANNA & ASSOCIATES, P.C.2/13/2009 1:09‐CV‐00642 AHUVA FOGELMAN ADAM JON FISHBEIN NCO FINANCIAL SYSTEMS, INC.06/04/09 1:09‐cv‐02376‐JG‐VVP AHUVA FOGELMAN ADAM JON FISHBEIN Client Services Inc
08/06/09 2:09‐cv‐03421‐LDW‐A AHUVA FOGELMAN ADAM JON FISHBEIN Sharinn and Lipshie PC
10/26/09 1:09‐cv‐04609‐ENV‐ AHUVA FOGELMAN ADAM JON FISHBEIN ARS National Services Inc
43
Ahuva & Mordechai Fogelman
44
3 civil judgments
11 derogatory accounts
All balances range within 6K and 34K
Accounts stopped being paid in ‘07‐’08
Ahuva Fogelman has 35 Lawsuits
Mordechai Fogelman has 22 lawsuits
All Foti violations and class actions
Florida
Southern 07/26/10 Granino Thomas Broward FL Jack Dennis Card Jr
American Coradius
International LLC
Florida
Southern 07/27/10 Granino Thomas Broward FL Jack Dennis Card Jr
Capital Management
Services LP
Florida
Southern 07/27/10 Granino Thomas Broward FL Jack Dennis Card Jr
NCO Financial Systems
Inc
Florida
Southern 07/27/10 Granino Thomas Broward FL Jack Dennis Card Jr ARS National Service IncFlorida
Southern 07/30/10 Granino Thomas Broward FL Andrew Ira Glenn National FC LLC
Florida
Southern 07/30/10 Granino Thomas Broward FL Jack Dennis Card Jr
Monarch Recovery
Management Inc
Florida
Southern 07/30/10 Granino Thomas Broward FL Andrew Ira Glenn Nationwide Credit Inc
Florida
Southern 08/15/10 Granino Thomas Broward FL Andrew Ira Glenn Hiday and Ricke PA
Florida
Southern 09/14/10 Granino Thomas Broward FL Jack Dennis Card Jr
Firstsource Advantage
LLC
Florida
Southern 10/19/10 Granino Thomas Broward FL Jack Dennis Card Jr EOS CCA
45
Filing Cases Together
Informal Demands
46
Tactical Responses
47
• Internal High Risk Attorney List
• Baiting Training
• Westlaw Alerts for Filed Lawsuits
• Agency Notification of High Risk Accounts
• Sue for the Debt
• Buy Google AdWords
• Reject Informal Demands
• Extensive Plaintiff Research
• Share information with ACA International
• Contact Mike and Tim
Our Contact Info
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Michael L. FrostSenior Vice President & General CounselCBE Group1309 Technology ParkwayCedar Falls, IA 50613Telephone: 319.833.1228Facsimile: 319.833.1229E‐mail: [email protected]
Timothy M. CollinsAssociate Director of ComplianceHyundai Capital America3161 Michelson Drive, Suite 1900Irvine, CA 92612Telephone: 949‐732‐2977Facsimile: 949‐468‐4001Email: [email protected]