California.
JP Morgan Chase bank and several credit counseling agencies were sued for what the Plaintiff's attorneys call "soft debt collecting" and circumvention of the Fair Debt Collection Practices Act.
The class action lawsuit alleges that Chase Bank through its various so called "not-for-profit" credit counseling agencies are nothing more than soft debt collectors.
The 95 page class action complaint filed in the Central District of California alleges that he credit counseling industry is a scam and that representations that credit counseling companies "negotiate with credit card compan