Members’ Suit Claims Telephonic Debt Collection Violates West Virginia Law

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MARTINSBURG, W.Va. – A husband and wife are suing Navy FCU claiming the credit union’s efforts to collect on an overdue car loan violated the West Virginia’s prohibition on debt collections over the telephone under the state’s Consumer Credit and Protection Act.

The couple, Thomas and Andrea Howard, claim they were harassed by Navy Fed debt collectors on numerous phone calls intended to “annoy, abuse, oppress of threaten” overdue borrowers, and should be entitled to forgiveness of the $4,422.13 outstanding on their car loan and $100,00 of damages for “emotional distress, annoyance and inconvenience.”

A spokesman with Navy Fed said yesterday the credit union had no comment on the suit.


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