Quick Answer: Kelly A. Brindley sued Optimal Debt Solutions in the United States District Court for the Southern District of Florida under the Credit Repair Organizations Act, the Arizona Credit Repair Organization Act, the Arizona Consumer Fraud Act, and for breach of contract and breach of fiduciary duty. Brindley alleges that Optimal Debt Solutions made false representations regarding its ability to improve her credit and resolve her debts, ultimately failing to deliver on its promises, which resulted in financial harm to her. She seeks actual and punitive damages, attorney’s fees, and any other relief deemed appropriate by the court. This is a legal filing containing allegations; no finding of liability has been made.
Case Update — August 4, 2026
2026-03-17: – Order (PAPERLESS or pdf attached) — Link
2026-03-17: Doc 3 — Summons Issued — Link
2026-03-17: Clerk’s Notice of Judge Assignment and Optional Consent — Link
2026-03-25: Doc 5 — Order Dismissing/Closing Case or Party AND ~Util – Set/Reset Deadlines — Link
2026-04-06: Doc 6 — Amended Complaint/Amended Notice of Removal — Link
2026-04-23: Doc 9 — Summons Issued — Link
2026-04-23: Doc 7 — Amended Complaint/Amended Notice of Removal — Link
2026-04-23: Doc 8 — Notice of Filing Proposed Summons(es) — Link
2026-04-29: Doc 10 — Summons (Affidavit) Returned Executed — Link
2026-05-18: Doc 11 — Extension of Time — Link
2026-05-25: Order on Motion for Extension of Time — Link
2026-05-26: Notice of Compliance — Link
2026-06-17: Doc 14 — Notice of Attorney Appearance — Link
2026-06-17: Doc 15 — Extension of Time to File Response/Reply/Answer — Link
2026-06-18: Doc 16 — Dismiss — Link
2026-06-22: Order on Motion for Extension of Time to File Response/Reply/Answer — Link
2026-07-02: Doc 18 — Notice (Other) — Link
Primary Source: View Original Complaint (PDF)
Facts as Alleged in the Complaint
The following is taken verbatim from the complaint filed in federal court. These are allegations; no finding of fact has been made.
The Parties
- Plaintiff is a natural person and consumer, over 18 years-of-age, residing in Phoenix, Arizona.
- Defendant is a credit repair organization and debt management services provider claiming to help consumers achieve financial stability through their offerings designed to assist consumers with becoming debt free and enjoying improved credit. Defendant maintains its principal place of business located at 1665 Palm Beach Blvd Suite 222, West Palm Beach, Florida
Factual Allegations
- In July 2024, Plaintiff was facing financial difficulties and had a number of debts prompting her to begin looking for companies who may be able to assist her in maintaining her creditworthiness and resolving her financial obligations.
- Subsequently thereafter, Plaintiff discovered Defendant through its representation that it could help consumers resolve their financial obligations by negotiating with creditors to reduce their outstanding debts and improving their credit.
- Plaintiff spoke with Defendant and Defendant’s agent represented to Plaintiff that it would be able to: (1) resolve Plaintiff’s financial obligations for a significant discount by negotiating with Plaintiff’s creditors; and (2) improve Plaintiff’s credit scores.
- Defendant further represented to Plaintiff that all she would need to do is make monthly payments over a certain period of time and that Defendant would utilize the payments to expeditiously resolve Plaintiff’s enrolled debts.
- On or around August 1, 2024, having relied on Defendant’s representations, Plaintiff formally enrolled various debts into Defendant’s debt settlement programs by entering into a contract with Defendant.
- Specifically, Plaintiff enrolled a total debt amount of approximately $ 6,432.00.
- Pursuant to the contract, Plaintiff was obligated to make monthly payments of approximately $ 183.00.
- Plaintiff proceeded to make her monthly payments to Defendant in a timely manner.
- During the enrollment period, Plaintiff was repeatedly informed that Defendant was actively communicating with her enrolled creditors to settle outstanding debts.
- Despite Defendant’s assurances, Defendant failed to resolve Plaintiff’s debts as expeditiously as Defendant represented it would.
- Despite Defendant’s representations, Plaintiff’s credit score did not improve.
- Plaintiff signed up for Defendant’s debt settlement and credit improvement services based on its representations that it would negotiate and settle her outstanding debts and remove settled accounts from her consumer credit reports.
- Throughout its dealings with Plaintiff, Defendant deceptively and misleadingly strung Plaintiff along, telling her what she wanted to hear in order for her to keep making payments, only to turn around and fail to deliver on the promises and representations that induced Plaintiff’s continued participation in Defendant’s debt settlement program.
- Furthermore, Defendant repeatedly informed Plaintiff that it was working on negotiating settlements with her creditors on her behalf.
- However, Defendant chronically failed to engage the vast majority of Plaintiff’s creditors in settlement discussions, which resulted in Plaintiff’s creditors hounding Plaintiff for payments.
- Despite having sufficient funds to settle Plaintiff’s accounts, Defendant failed to meaningfully (1) engage Plaintiff’s creditors in settlement discussion; (2) resolve Plaintiff’s debts, or (3) improve Plaintiff’s credit score.
- As a result of Defendant’s inaction, Plaintiff’s creditors continued to hound Plaintiff through harassing collection calls and other collection activity.
- Due to Defendant’s inactivity in working on Plaintiff’s debt settlement program as promised, Plaintiff was sued by one of her Creditors, specifically Barclays.
- Defendant failed to provide any meaningful assistance regarding the lawsuit.
- Plaintiff suffered significant damages as result of Defendant’s misrepresentations and omissions, including: financial losses, emotional distress, aggravation, mental anguish, decreased credit score.
- Simply put, Plaintiff found herself in a much worse financial position after enrolling in Defendant’s “debt settlement” program.
Remedies Sought
- A judgment in Plaintiff’s favor for Defendant’s violations of the aforementioned sections of CROA;
- An award of actual damages pursuant to 15 U.S.C. § 1679g(a)(1);
- An award of punitive damages pursuant to 15 U.S.C. § 1679g(a)(2)(A);
- An award of Plaintiff’s attorney’s fees and costs pursuant to 15 U.S.C. § 1679g(a)(3); and
- Any further relief the Honorable Court finds to be just and appropriate.
- Violation of ACROA – A.R.S. 44-1703-4
- Declaring that the practices complained of herein are unlawful and violate the aforementioned statutes and regulations;
- Awarding Plaintiff actual damages pursuant to A.R.S. 44-1711;
- Awarding Plaintiff punitive damages pursuant to A.R.S. 44-1711;
- Awarding Plaintiff’s costs and reasonable attorney fees, pursuant to A.R.S. 441711; and,
- Awarding any other relief the Honorable Court deems just and appropriate.
About This Coverage
I monitor federal court cases involving debt relief companies as an educational resource for consumers, other companies in the industry, and regulators. This project began on February 27, 2026, and covers cases filed on or after February 20, 2026. Cases filed before that date are not included. I am currently monitoring 334 companies in the debt relief space.
I report on all cases I am able to monitor — no company is singled out or targeted. The goal is comprehensive, fair coverage that helps consumers understand the legal landscape.
Important: The information on this page comes directly from court documents. I present the allegations exactly as stated in those filings — I do not interpret, summarize, or paraphrase complaint language, as doing so could introduce unintended bias. These are allegations, not findings of fact. Every defendant is presumed innocent and has the right to contest the claims in court. A lawsuit is not a finding of wrongdoing.
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Frequently Asked Questions
Has Defendant been found liable in this case?
No. This is a complaint — a legal filing that contains allegations made by Plaintiff. Defendant has not been found liable for any wrongdoing. A finding of liability requires a court proceeding where evidence is presented and evaluated by a judge or jury.
What is the current status of this case?
This case was recently filed. See the CourtListener docket linked at the bottom of this page for the complete filing record. This page is updated automatically when new documents are filed.
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Where can I read the full complaint against Defendant?
The full complaint is publicly available on CourtListener. The Facts as Alleged section above reproduces the complaint’s factual allegations verbatim. The complete case record, including all filings, is available through the docket link at the bottom of this page.
Source: CourtListener. Information on this page is taken verbatim from the court complaint. These are allegations only; no finding of fact has been made.
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Part of the Federal Lawsuits Database
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