Cappetta v. GC Services, LP

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Welcome to the Cappetta v. GC Services Settlement Website

There is a proposed Settlement of a lawsuit pending in the United States District Court for the Eastern District of Virginia. The lawsuit claims that Defendants used the consumer reports of class members to collect American Express credit card debts that were actually owed only by the primary obligors on the accounts. The use of class member consumer reports violated the fair Credit Reporting Act because there were not used for a permissible purpose under 15 U.S.C. ß 1681b of the law. Plaintiffs sought both statutory and punitive damages, in addition to injunctive and declaratory relief.

GC Services denied all allegations of wrongdoing and contends that it fully complied with the law. GC Services denied using the consumer reports for an impermissible purpose and denied that any violation of the Fair Credit Reporting Act was willfull.

The Court did not decide in favor of the plaintiffs or the defendant. Instead, both sides agreed to a settlement. Settlements avoid the costs and uncertainty of a trial and the time delay associated with related appeals, while providing benefits to members of the class. The class representatives and their attorneys think the settlement is best for all class members.

Summary of Your Rights and Choices:
Event: abc Due Date
Make a Claim for
Cash Benefits
The only way to receive money from the settlement. March 15, 2011
Exclude Yourself You remove yourself from participation in this class action and do not receive a benefit from this settlement. However, you retain your right to file a separate lawsuit against GC Services. If you choose this option, it is very important that you speak to an attorney immediately because of the time-sensitive nature of claims under the Fair Credit Reporting Act. March 15, 2011
Object to the
You remain a class member, but write to the Court and explain why you donít think the settlement is fair, reasonable, and/or adequate. March 15, 2011
Do Nothing You receive no monetary benefit from this settlement, and you give up your right to file a lawsuit against GC Services about the use of your consumer report. abc