Federal Lawsuits Against Debt Relief Companies
An automatically updated record of federal court cases involving debt relief companies and debt buyers — useful for consumers evaluating providers, researching companies contacting them about a debt, and for companies learning from industry patterns.
Important: All case information is sourced directly from court documents and reported as alleged. These are allegations, not findings of fact. Every defendant is presumed innocent and has the right to contest the claims in court.
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Quick Answer: Mark Vasquez sued SoFi Lending Corp. in the U.S. District Court for the Southern District of California (Case No. 3:26-cv-01228-AJB-JLB), alleging violations of California’s Rosenthal Fair Debt Collection Practices Act (Cal. Civ. Code §§ 1788-1788.32) and the Telephone Consumer Protection Act (47 U.S.C. § 227). The complaint alleges that after Vasquez’s attorney sent SoFi a cease-and-desist letter revoking consent to be contacted, SoFi continued to call Vasquez’s cellphone more than seventy times using a prerecorded or artificial voice. Vasquez seeks actual and statutory damages, attorney’s fees and costs, and injunctive relief. This is a legal filing containing allegations; no finding of liability has been made.
Quick Answer: Tiffany Harris filed a federal class action lawsuit against Cordoba Legal Group PLLC in the U.S. District Court for the Northern District of Alabama, alleging that Cordoba called her telephone number — which has been on the National Do Not Call Registry since August 28, 2024 — at least three times using prerecorded messages promoting IRS debt relief services. The complaint seeks $500 to $1,500 per violation for herself and a proposed nationwide class of similarly affected consumers. This is a legal filing containing allegations; no finding of liability has been made.
Quick Answer: Michael Chmielewski filed a federal class action lawsuit against Advantage First Financial, LLC in the U.S. District Court for the District of New Jersey, alleging that Advantage First continued to call him after he verbally requested to be placed on their do-not-call list in April 2025. The complaint alleges at least two calls on October 17, 2025 in violation of the Telephone Consumer Protection Act (TCPA). Chmielewski seeks $500–$1,500 per violation for himself and a proposed class of similarly affected consumers. This is a legal filing containing allegations; no finding of liability has been made.
Quick Answer: Radley Bradford sued OneMain Financial Holdings, LLC in the United States District Court for the Southern District of Texas under the Equal Credit Opportunity Act (ECOA). Bradford alleges that OneMain failed to provide specific reasons for denying his home improvement loan application, which deprived him of the opportunity to address the issues leading to the denial. He seeks actual and statutory damages, class certification, and reasonable attorney’s fees. This is a legal filing containing allegations; no finding of liability has been made.
Quick Answer: On February 27, 2026, Joshua Cook filed a class action lawsuit against SoFi Technologies, Inc. in the Northern District of California (Case No. 3:26-cv-1722), alleging the company failed to protect customers’ private information — including names, dates of birth, addresses, email addresses, phone numbers, and employment and education information — from a data breach. The complaint asserts seven counts including negligence, breach of contract, and violation of the Illinois Consumer Fraud Act. The class seeks monetary damages, lifetime credit monitoring funded by SoFi, and injunctive relief.
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