bounceback, inc. sued for allegedly using seal and letterhead of … · 2014-07-31 · said deepak...

TERRELL MARSHALL DAUDT & WILLIE PLLC 936 N. 34th Street, Suite 300 — Seattle, Washington 98103

Telephone: 206-816-6603

FOR IMMEDIATE RELEASE Contacts: Beth Terrell Deepak Gupta

Terrell Marshall Daudt & Willie PLLC Gupta Beck PLLC (Seattle, WA) (Washington, DC) (206) 816-6603 (202) 888-1741 bterrell@tmdwlaw.com deepak@guptabeck.com Nicholas Power (Friday Harbor, WA) (360) 298-0464 nickedpower@gmail.com

Bounceback, Inc. Sued for Allegedly Using Seal and Letterhead

of Washington Prosecutors to Collect Debts

July 23, 2014 — When Bainbridge Island resident Roz Terrill wrote a $41 check to a local store to buy clothes for her children, she had no idea it would lead to threats of criminal prosecution.

Because of a banking mix-up, Roz’s check did not clear. Months later, she received a letter that looked like it had been sent by the Kitsap County Prosecuting Attorney. Bearing a prosecutor’s seal at the top, it said that Roz had been accused of a crime and, in large type, that, “to avoid the possibility of criminal charges being filed,” she had to pay the amount of the check plus $185 in fees.

What Roz didn’t realize was that the letter was really sent by Bounceback, Inc., a for-profit Missouri-based debt collection company that had paid the real prosecutor’s office for permission to threaten consumers. The real prosecutor had never reviewed any evidence about Roz’s check and was never going to prosecute her. There was no legal basis for the fees. But Roz ultimately ended up paying the check plus $220 in fees because that was the only way that she could stop the threats and gain peace of mind.

Wodena Cavner, a retiree in Moses Lake, and Linda Parks, a wheelchair-bound retiree living in Sequim, went through similar experiences. “When I first received the letter that I thought came from the prosecutor, I was frightened about having to go to court, and worried that police would come to arrest me,” said Linda. “When I later learned that the letter was from a debt collector, not the prosecutor, I was very disappointed in our county officials.”

On Friday, these three Washington consumers filed a class action lawsuit against Bounceback, Inc. in federal court in Spokane. Bounceback’s operations are much like those of any other high-volume debt collector: It solicits its business from large national retailers and other merchants, receives electronic information about unpaid checks directly from those merchants, and sends out standardized collection notices to consumers.

But, according to the lawsuit, there is one crucial difference: Under Bounceback’s so-called “Check Enforcement Program,” county prosecutors rent out the prosecutor’s seal and letterhead to Bounceback

TERRELL MARSHALL DAUDT & WILLIE PLLC 936 N. 34th Street, Suite 300 — Seattle, Washington 98103

Telephone: 206-816-6603 in exchange for a cut of the collection fees, thereby cloaking ordinary civil debt collection under a sham “criminal diversion” program.

“Making a phony threat to put someone in jail unless they pay you money is called extortion,” said Beth Terrell of Seattle, attorney for the plaintiffs. “Washington prosecutors should be going after those doing the extortion, not teaming up with them.”

Despite Bounceback’s use of the county prosecutor’s name and authority to coerce payments, the prosecutors exercise no meaningful control over Bounceback’s day-to-day collection activities. Bounceback’s threats of criminal prosecution are made without any prosecutor having actually investigated the circumstances to determine whether an unpaid check was written with criminal intent or was simply an innocent mistake. Moreover, when Bounceback sends its collection letters, it cannot know whether a consumer will be prosecuted for failing to pay its steep collection fees, as the letters represent.

“It is astonishing that prosecutors are renting out their name and authority to a private debt collector,” said Deepak Gupta of Washington, DC, one of the lawyers for the plaintiffs. “It’s even worse that consumers like our clients, who have done nothing wrong, are being forced to pay hundreds of dollars in illegal fees because of false threats of criminal prosecution.”

The plaintiffs allege that Bounceback’s collection practices violate both state and federal law. They seek to represent a class of consumers who have received collection letters from Bounceback, to stop Bounceback’s deceptive debt-collection practices, and to recover the exorbitant fees consumers have paid to Bounceback.

Questions regarding the lawsuit and requests for a copy of the complaint may be directed to one of the following attorneys:

Beth Terrell Deepak Gupta Terrell Marshall Daudt & Willie PLLC Gupta Beck PLLC (Seattle, WA) (Washington, DC) (206) 816-6603 (202) 888-1741 bterrell@tmdwlaw.com deepak@guptabeck.com Nicholas Power (Friday Harbor, WA) (360) 298-0464 nickedpower@gmail.com

REDACTED

Case 2:14-cv-00235-RMP Document 1 Filed 07/18/14

REDACTED

REDACTEDREDACTED

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@..5! CLASS ACTION ALLEGATIONS

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=:fMD=:B:O;N!]K=!C!J>CNN!CJ;DKO/!

5/1$ &<:!H:]DOD;DKON!K]!;<:!">CNN!COH!%MF,">CNN:N!C=:!J>:C=?!COH!B:BF:=N!

K]!;<:!">CNN!COH!%MF,">CNN:N!C=:!:CND>^!DH:O;D]DCF>:!KO!;<:!FCNDN!K]!KFh:J;D_:!

DO]K=BC;DKO?!CN!9KMOJ:FCJL!BCDO;CDON!DO]K=BC;DKO!=:UC=HDOU!C>>!V:=NKON!;K!I<KB!

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>CN;!LOKIO!CHH=:NN:N/!

5/2$ ">CNN!COH!%MF,">CNN!B:BF:=N!JCO!F:!DH:O;D]D:H!MNDOU!DO]K=BC;DKO!

L:V;!F^!R:]:OHCO;N!DO!;<:!MNMC>!JKM=N:!K]!FMNDO:NN!COHjK=!DO!;<:!JKO;=K>!K]!

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J>CNN!CJ;DKO!;<=KMU<!HD=:J;!BCD>DOU!COH!:BCD>DOU!;K!V<^NDJC>!CHH=:NN:N!COH!:BCD>!

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COH?!D]!O:J:NNC=^?!F^!VMF>DJC;DKO/!

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hKDOH:=!DN!DBV=CJ;DJCF>:/!!&<:!V=:JDN:!OMBF:=!K]!">CNN!B:BF:=N!DN!MOLOKIO!;K!

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BK=:!;<CO!388!%MF,">CNN!B:BF:=N/!

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