Charge of FDCPA Violation Dropped by Consumer Against Collection Law Firm

The case had everything you’d expect a case like this to have: a disabled veteran, a collection agency, and allegations of egregious FDCPA violations.

Michael Collier was an Army veteran who sustained severe spine and head injuries. Collier and his wife, a college student at the Univeristy of Phoenix, receive disability payments — which, Collier alleged, are exempt from execution. However, Collier and his wife were sued on a defaulted student loan by a collection lawfirm, Gurstel Chargo, P.A., on behalf of National Collegiate Student Loan Trust 2005-1.

The relevant part from Collier’s complaint is the allegation that an employee of Gurstel Chargo said a catalog of pretty vile things to him on a phone call. “F— you! Pay us your money! You can’t afford an attorney. You owe us. I hope your wife divorces you’re [sic] a–. If you would have served our country better you would not be a disabled veteran living off social security while the rest of us honest Americans work our a– off. Too bad; you should have died.”