We would like to let you know about two class actions that may affect your rights.

  • The first is with Chase Bank. Chase has settled a lawsuit alleging that Chase violated the Fair Credit Reporting Act (FCRA) by accessing consumer credit reports to conduct “Account Review Inquiries” of Chase customers after their Chase account relationship had ended. For many of our bankruptcy clients who named Chase as a creditor in their bankruptcy, the account relationship ended upon the discharge of the bankruptcy. If the Chase debt was discharged in your bankruptcy, Chase probably did not have a permissible purpose for accessing your credit report. Likewise, if Chase completed a foreclosure on your home, your mortgage account relationship has ended and Chase probably does not have a permissible purpose to access your credit report.

You can check your credit report and see who has accessed it.

You are entitled to one free credit report each year and can request by filling out and mailing in this form:


If you see that Chase pulled your credit report between October 16, 2009 and October 16, 2014, you may be a class member.

You can find out more about the class action at:



If you want to be part of the action, you need to submit a claim form by March 23, 2016.

If you do not want to be legally bound by the action, you must exclude yourself from the action by March 23, 2016.

You have a right to file your own lawsuit to challenge Chase’s behavior and request relief individually. If you are interested in learning more about doing that, please contact attorney Andrea Bopp Stark here at Molleur Law at 207-283-3777

You may have received a postcard entitled "CHASE FCRA SETTLEMENT" that includes a claim form.   Even if you did not receive the postcard, you still may be a class member.  


  • The second is a class action against Midland Credit Management, Inc. for alleged violations of the Telephone Consumer Protection Act (TCPA).

If you were called on your cellphone by Midland Credit from November 2, 2006 through August 31, 2014, without your consent, you may be a class member of this lawsuit.

You can get more information here:



You must file a claim online or can download a claim form from the website if you want to be part of the settlement and send it in by April 12, 2016

If you do not want to participate in the settlement, you must send a letter requesting exclusion postmarked no later than April 22, 2016 or else you will be bound by the settlement. If you want to pursue an action on your own, or have general questions about the class action, you can contact attorney Andrea Bopp Stark at 207-283-3777.

If you have questions or concerns, you can contact the Class Action website, phone number, or, for general questions, Andrea Bopp Stark here at Molleur Law Office at 207-283-3777