Commend California Attorney General for Standing Up to Illegal Debt Collection


Target: Kamala D. Harris, California Attorney General

Goal: Praise the California attorney general’s office for filing lawsuit against JPMorgan for illegal debt collecting

Please commend Kamala Harris for protecting consumers by prosecuting JPMorgan Chase Co., the country’s largest banking firm, which illegally filed debt collections notices to thousands of Californians. According to Attorney General Harris, the company was running a “massive debt collection mill” causing a huge influx of more than 100,000 lawsuits supported by false documentation. The questionable paperwork included those signed by low-level pretending to be bank officers. And now with the recent news of California’s passage of the Fair Debt Buying Practices Act, the attorney general’s office deserves our support and commendation.

California’s civil lawsuit against JPMorgan stemmed from an investigation into companies that buy delinquent credit card accounts from lenders at a discounted rate, then file lawsuits to get borrowers to pay back their debt. “The big problem in these third-party cases is that the plaintiff never brings a Chase witness to testify,” says Meg Ryan, supervising attorney of the East Bay Community Law Center, who has helped clients argue against third party companies like Midland Funding. She also states that “companies like Midland are winning by relying on bad affidavits from Chase, and the defendant has no opportunity to cross-examine a Chase witness at trial.”

The actions of the California Attorney General’s office are among other types of lawsuits cracking down on debt collectors for unsupported allegations against card holders. As of now, three federal agencies are looking to regulate the shady practices of the debt collecting industry. Please thank California Attorney General Harris for her efforts to hold big corporations like JPMorgan Chase Co. accountable.


Dear California Attorney General Kamala D. Harris,

Thank you for standing up to the biggest banking firm in the country, JPMorgan Chase Co., for their involvement in faulty debt allegations against card holders. JPMorgan, along with other banks, should end the irresponsible practice of selling delinquent credit card accounts to third party debt collecting agencies. These kinds of transactions between banks and debt collectors all too frequently lead to a relentless flood of lawsuits into courts, many of which are based on incomplete and false documents from banks.

With the passage of the the Fair Debt Buying Practices Act, the climate for consumers is improving. No longer will Californians be vulnerable to lawsuits based on discreditable, incomplete evidence since third-party debt agencies are now subject to a list of required documentation before their efforts to collect begin.

Your efforts to protect California consumers against the questionable practices of the debt collecting institution is part of a new tide of regulation that is finally holding banks accountable for utilizing poor due diligence. I urge you to continue fighting for consumer rights.


[Your Name Here]

Photo Credit: Images Money via Flickr

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One Comment

  1. Sheila D GGma Sheila says:

    It is good that JP Morgan Chase has been put on notice. Now if we can get the othes, one by one, to stop it will be a relief to thousands of consumers.

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