Get Out of Debt Guy - Steve Rhode

Oceanside Debt Management Named in Marketing Lawsuit

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It’s been a while since I’ve written about a debt relief company who has fallen into the credit report data for marketing trap. I think the last one was Debt Relief Advocates.

But here is a recent suit filed by another Ohio resident. This time it is against Oceanside Debt Management Michael Reminger, and Debt Management Center.

In this suit that was moved to federal court on November 1, 2016 the Plaintiff alleges the debt relief company improperly had access to their credit report information that was used to send out marketing mailers to offer debt relief services.

The suit says, “In order to target its marketing, Defendants obtains lists of consumers, including a list with Plaintiff’s information, who maintain high credit card balances and other factors that indicate financial distress.” But the big issue occurred when the specific information obtained was used in mailers.

The Plaintiff states she called Oceanside Debt Management and was pitched a debt settlement solution where fees were already baked into the contract amount.

The sticky issue here is according to the complaint, “Defendants are each a “supplier” as defined by OCSPA, since Defendants were engaged in the business of debt adjusting, budget counseling, debt management, or debt pooling services, or holding oneself out, by words of similar import, as providing services to debtors in the management of their debt to a consumer in the State of Ohio for purposes that were primarily for personal, family, or household use.” You can read the Ohio code here.

This is all a good lesson to help other debt relief companies to clear any use of credit report information in marketing through their corporate lawyers first. This is not the first nor will it be the last suit filed like this.


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