Alvandi v Diversified Consultants Inc FDCPA RFDCPA Complaint

8/12/2019 Alvandi v Diversified Consultants Inc FDCPA RFDCPA Complaint

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Case 8:13-cv-02011-JFW-DFM Document 1 Filed 12/30/13 Page 1 of 7 Page ID #:6

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A m y L. B e nn e c of f (2 7 5 8 0 5 ) K i m m e l S il ve rm an , P .C. 3 0 E as t B u tl e r Pi ke A m bl e r, P A 19 0 02 Tel e p h on e : 2 1 5 - 5 4 0 - 8 8 8 8 F ac s im ile : 8 7 7 -7 8 8 -2 86 4 a b en ne co ff @ c red i tl a w .c o m A ttor ne y fo r Pl ai nti ff

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2 13 DEC 30 PM I: 5 1 1

U N I T E D S T A T E S D I S T R I C T C O U R T F O R T H E C E N T R A L D I S TR I C T O F C A L I FO R N I A

R A Y M O N D A L V A N DI ,

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D IV E R SI F IED C O N S U L T A N T S, IN C . ,

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CO M P L A IN T F O R D A M A G E S 1 V IO L T I O N O F T H E F A I R D E B TC

O LL E C T IO N P R A C T IC E S A C T , 15 U .S .C . 16 92 E T . S E Q .; 2 . V I O L A T I O N O F T H E RO S E N T H A L F A I R D E B T C O L L E C T I O N P R A C T I C E S A C T , C A L . C I V . C O D E 17 88 E T . SE Q .

) J U R Y T R I A L D E M A N D E D

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C O M P LA I N T

R A Y M O N D A L V A N D I ( P la in ti f f' ) , b y hi s at to rn ey s, K IM M E L S IL V E R M A N

P .C .. a lle ge s th e fo llow i n g ag a in st D ef e n d an t D IV E R SI F IE D C O N S U L T A T S , IN C .

( D ef en d an t ) :

IN T R O D U C T I O N

1 Pl ain ti ff s C o m p la in t is bas ed o n th e Fai r D eb t C ol le c ti on Pr ac t ices Ac t, 15

U .S .C . 16 92 et seq ( .F D C P A ) , th e Ro se n th a l F ai r D e bt Co llect io n Pr ac ti c e s A ct, ca l. C iv .

C ode 1788 et seq C -R FDC P A ) , an d th e T ele p ho ne C o n s u m e r Pro te c t ion Ac t, 4 7 U .S .C .

2 27 t seq ( . TC P A . )

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F C T U L L L E G T I O N S

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1 1 A t a ll r e l e v a n t t i m e s, D e fe n d a n t a tt e m p te d to c o ll ec t a n a l le g e d c o n s u m e r d e b 3 fr o m P la i n tif f.

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5 12 . U p o n in fo rm a ti o n a n d b e l i e f, th e a ll e g e d d e b t a r o se o u t o f t r a n sa c ti o n s w h ic h

6 w e re p r im a r i l y fo r p e rs o n a l , f a m i l y , o r h o u se h o ld p u rp o s e s .

7 1 3 A s P la i n t i f f o w e s n o b u s in e s s d e b t , th e d e b t s o u g h t b y D e f e n d a n t c o u ld o n ly h a v e

8 b e e n p e rs o n a l in n a tu re.

9 14 . T h r o u g h o u t J a n u a r y 2 0 13 , D e fe n d a n t ' s c o ll e c to r s m a d e re p e a te d h a ra ss i n g c a ll s 1 0

to P lai n ti ff s c e l lu l a r t e l e p h o ne s ee k in g to c o l l e c t a d e b t o w e d b y so m e o n e n a m e d A le x a n d e r

J in d e r

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1 5 D u r i n g th is t im e , P l a in t i f f r e c e i v e d o n a v e r a g e o n e to th r e e c a l l s d a i ly . 13

1 4 1 6 P la in t iff h a s c a ll e d D e fe n d a n t b a c k a n d g o n e tlu o u g h i ts p r o m p t s y s te m to h a v e

15 hi s n u m b e r re m o v e d .

1 6 17 . H o w e v e r, d e s p ite h i s r e q u e s t to h a v e h i s n u m b e r re m o v e d th e c a ll s c o n t in u e d

17 1 8 U p o n in fo r m a t io n a n d b e li e f, D e f e nd a nt u s e d a n a u t o m a ti c t e le p h o n e d i a li n o 8

s y s t e m o r p r e - re c o r d e d o r a r t ific ia l v o ic e.

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19 . P l a in ti ff d id n o t e x p re s s ly c o n s e n t to D e f e n d a n t ' s p l a c e m e n t o f t e l e p h o n e c a ll s to 20

hi s c e ll u la r te l e p h on e b y th e us e o f a n a u to m a t ic te le p h o n e d ia li n g s y s te m o r a p re - re c o rd e d 0 12

a rt ifi c ia l v o ic e p r io r to D e fe n d a n t ' s p la c e m e n t o f th e c a ll s . 22

2 0 D e fe n d a n t ' s te le p h o n e c a ll s w e re n o t p la c e d to P l a i n ti f f w e re f o r e m e rg e n c

24 p u rp o se s , a s sp e c ifi e d in 4 7 U .S .C . 2 2 7 ( b )( l ) ( A ) .

5 2 1 D e fe n d a n t a ls o n e v e r s e n t a n y th in g in w ri t in g to Pl a i n t i f f c o n c e rn in g th i s d e b t.

26 2 2 . D e f e n d a n t ' s a c t io n s a s d e s c rib e d h e re i n w e re m a d e w it h th e in te n t to h a rass ,7

a bu se , a n d c o e rc e p a y m e n t fr o m P l a in tif f.

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C O U N T ID E F E N D A N T V I O L T E D 1 6 9 2 d a n d 1 69 2 d S ) O F T H E

F I R D E B T C O L L E C T ION P R A C T I C E S A C T

S e c t io n 1 6 9 2 d o f th e F D C P A p r o h ib i t s d e b t c o ll e c to rs f ro m e n g a g in g

c o n d u c t th e n a tu r a l c o n s e q u e n c e o f w h ic h is to h a ra s s , o p p r e s s o r a b u s e a n y p e r s o n in c o n n e c t io

w i t h th e c o l le c t io n o f a d e b t .

2 4 . S e c ti o n 1 6 9 2 d 5 ) o f th e F D C P A p ro h i b i ts d e b t c o l l e c to r s f ro m c a u s in g

te le p h o n e to r in g o r e n g a g i n g a ny p e r s o n in te l e p h o n e c o n v e rs a t io n r e p e a t e d l y o r c o n t in u o u sl

w ith t he in t e n t to a n n o y , a b u s e o r h a r a s s a n y p e r so n a t th e c a l le d n u m b e r .

2 5 . D e fe n d a n t v io l at e d 16 9 d a n d 1 6 9 2 d 5 ) o f th e F D C P A w h e n it c a l le d P l a in t i f

re p e ate d ly a n d c o n ti n u o u s ly s e e k in g to c o ll e c t th e d e b t o f a t h i rd p a r ty , a n d w h e n it e n g a g e d i

o th e r h a r a ss in g a n d a b u s iv e c o n d u c t.

C O U N T D E F E N D A N T V I O L T E D 1 69 2 e , 1 6 9 2 e 2 ) A ) an d 16 9 2 e 1 0) O F T H E

F A I R D E B T C O L L E C T IO N P R A C T I C E S C T

26 . S e c ti o n l 6 9 2 e o f t h e F D C P A p r o h ib i ts d e b t c o l le c to r s fro m u s in g fa lse , d e c e p ti v

2 o r m is le a d in g r e p r e s e n ta ti o n o r m e a n s in c o n n e c t io n w i th th e c o ll e c ti o n o f a n y d e b t. 2 1

2 7 . S e c t io n 16 9 2 e 2 ) A ) o f th e F D C P A p ro h ib it s d e b t c o lle c to r s fr o m m a k in g fa ls 2 2

re p re s e n ta t io n s as to t h e c h a r a c te r , a m o u n t , o r le g a l s ta tu s o f a n y d e b t.

28 . S e c t io n 16 9 2 e IO ) o f th e F D C P A p r o h ib i ts d e b t c o ll e c to r s f ro m u s i n g fa ls 24 re p re s e n ta tio n s o r d e c e p t i v e m e a n s to c o l l e c t a d e b t o r to o b ta in in fo rm a t io n f ro m a c o n s u m e r . 5

26 2 9 . D e f e n d a n t v io la te d l 6 9 e , l 6 9 2 e 2 ) A ) , a n d l 6 9 2 e l 0 ) o f t h e F D C P A , w h e n i

2 7 so u g h t to c o ll e c t a d e b t f ro m P l a in t i f f th a t h e d id n o t o w e , a n d w h e n i t m a d e o t h e 1

28 m i s re p re s e n ta ti o n s in co n n e c tio n to t he c o ll e c tio n o f a n a lle g e d d e b t fro m P la in t if f.

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C O U N T III D E F E N D A N T V IO LA T E D 16 92 f a nd 16 92 f l ) O F T H E

F A IR D E B T C O L L E C T IO N P R A C T I C E S A CT

Sec ti o n l 6 92 f o f

the F D C P A p ro h ib i t s de b t c o ll e c t o r s fro m u s in g u n ir o

un co n s c ion ab le m ea n s to c o llec t o r a tt e m p t to c o ll e c t a n a ll e g e d d e b t.

7 3 1 S ec ti o n l 69 2 f l ) o f th e F D C P A p ro h ib i t s th e c o ll e c ti o n o f a n y a m o u n t u nl es

8 su ch a m o u n t is e x p res s ly a u th o ri z e d or p e rm i tt e d b y law .

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IO

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3 2 D ef e nd a nt v io la t e d 169 2f a n d 1 6 9 2 f 1) o f th e F D C P A w h e n i t a t te m p ted t

c o ll e c t an a ll e g e d d e b t f rom P la i nt i ff th a t w a s n o t a u th or i zed b y h im a n d w as o w e d b y a th ird

p a rt y, a nd w h e n it e n g a g e d in o t h e r u n fa i r co nd u c t

C O U N T I VD E F E N D A N T V IO L A T E D T H E

R O S E N T H A L F A I R D E B T C O L L E C T I O N P R A C T IC E S A CT

3 3 . S e c ti o n 17 88 . 17 o f th e C a li fo rn i a C iv il C o d e m a nd a t e s t h a t ev e ry de b t c o ll ec to r

a tt e m p t in g to c o ll e c t a c o n s u m e r de bt sh a ll c o m p ly w ith 169 2b th rou gh l 69 2j o f t he F D C P A .

1 8 3 4. D e fe n d a n t v io la te d C a l C iv. C o de 178 8 17 , wh en it v io la t e d the F D C PA fo r th

9 rea so n s set fo r th in thi s C o m pl a in t

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C OU N TY D E F E N D A N T V IO L A T ED 16 9 2g a) O F T H E

FA IR D EB T C O L L E C T IO N P R A C T IC E S A C T

3 5 . S ec ti o n 16 9 2 g a ) o f th e FD C P A s ta te s t h at w ith in fi v e d ay s a fte r the in i tia l

c om m u n i c a ti o n w ith a c o n s u m e r in co nn e ct io n w it h t h e c o ll e c t io n o f a n y d e b t, a d eb t co ll e c to 1

s h a ll se nd th e co n s u m e r a w r it te n n o t ic e c o n c e r n in g t h e d eb t.

36 . D e fe n d a n t v io la te d 16 92 g a ) o f th e FD C P A wh en i t fai led to se n d an y th ing i

2 8 w riti n g to Pl a in t if f, a s it w s re q u ir ed to do so u n de r t he F D C P A , reg a r d in g t h e a l le ge d d e b t

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C O U N T I X D E F E N D N T V I O L T E D T H E

T E L E P H O N E C O N S U M E R P R O T E C T I O N C T

S e c tio n 2 2 7 (b ) (3 ) (A ) o f the T C P A a u th o r iz e s a pri v a te c a u s e o f ac ti o n fo r

p e rs o n o r e n t ity to b rin g in a n a p p ro p r ia te c o u r t o f th a t s ta te a n a c tio n b as e d o n a v io la ti o n o

th i s s u b s e c t io n o r t h e re g u la ti o n s p re s c r ib e d u nd e r th is su b se c t io n to e nj o in s u c h v io la ti o n .

38. S e c t io n 2 2 7 (b ) (3 )(B ), o f the A c t au tho ri z es a p r iv a te c a u s e o f a c ti o n for a pe rs o

o r e n tity to b r ing in a n a p p ro p r ia te c o u r t o f th a t s ta te a n ac tio n to rec o v e r fo r a c tu a l m o ne tar

los s fro m su c h a v io la t i o n , o r to re c e iv e $ 5 0 0 in d a m ag e s fo r e a c h su c h v io la ti o n, w h ich ev e r i

g r ea te r

39. D e s p i te th e fac t t ha t P la in t i f f ne v e r c o n s e n te d to D efe n d a n t m a k in g call s to h i

c e ll u l ar te le p h o n e , D e f e n d a n t re p e a te dl y p la c ed no n -e m e r gen c y c a lls to P la in t i f f 's c e llu la

te l ep h o ne w ith o u t Pl a in ti f f ' s c o nse n t

40. T h e A c t a lso a u th o r iz e s th e C o u r t , in its di sc re t io n , to a w a rd up to t hr ee (3 ) t im e

the actu a l d a m a g e s su s t a i n ed fo r v io la t io n s .

4 1 . H e re , u p o n in fo rm a tio n a nd be lie f, D e fe n d a n t re p e a te d l y a n d reg u la rl y p la ce 9 n o n-e m e rg e n cy , a u to m a ted c a lls to Pl a i n t i f f s ce llu la r te lep ho n e , u s in g a p r e - re co rd ed 1

20 artific ia l vo ic e

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4 2. De f e n d a n t c a lle d Pl a in t i f f o n hi s c e l lu la r te l e p h o n e d o z e n s o f t im es .

43. D e fe n d a n t d id n o t h ave P l a i n t i ff 's ex p re s s c o n s e n t p rio r to c o n ta c ti n g h im o n hi 23

c e ll u la r t e lep h o n e us in g a n a u to m a t ic te l e p h o n e d ia l in g s y s te m o r p re - re c o rd e d o r a r ti fic ia l v o ice .4

25 44. D e fe n d a n t ' s c o n d u c t v io la ted 2 2 7 (b )( l ) (A )(i ii) o f th e T C P A b y m a k ing a n y ca ll

26 us ing any a u to m a ti c tel e p h o n e d ia lin g sy s te m o r a n a rtif ic ia l p re r e c o rd e d v o i c e to a te le p h o n

27 n um b e r a ss ig n ed to a ho m e te le ph o n e se rv ice .

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W H E R E FO R E , P l a in ti f f, R A Y M O N D A L Y A N D I , re s p e c tf u l l y p r a y s fo r a ju d g m e n t a

f o l lo w s:

a. A c tu a l D a m a g e s ;

b . S t a tu to ry d a m a g e s u n d e r th e F D C P A a n d R F D P A ;

c . S t a t u to r y d a m a g e s u n d e r th e T C P A ;

d. R e a so n a b le a t t o r n e y s fe e s a n d co s t s; a n d

e. A n y o th e r r e l ie f d e e m e d a p p r o p ri a te b y th is H o n o r a b le C o u r t .

D E M N D F O R J U R Y T R I L

P L E A S E T A K E N O T I C E th at P l a in t if f, R A Y M O N D A L V A N D I d e m a n d s a ju ry tr i a l i n

th i s c a s e .

D A T E D : 12 /1 8 / 13

--- By: ~ . . . . ~ ~ V A m y L B e n n e cO ff 2 7 JO -Ea s r B ut le r Pil< A m b le r, P A 190 0 2 T e le p h o n e : 2 15 ) 5 4 0 - 8 8 8 8 F a c s im il e : 2 15) 5 4 0 - 8 8 1 7 E m a i l : a b e n n e c o f f ci ,c re d it l a w .c o m

A t to r n e y fo r P l a in t iff

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Alvandi v Diversified Consultants Inc FDCPA RFDCPA Complaint