Debra Clark v. First Resolution Investment Corp., et al.

Suffolk Superior Court, Case No. 15-1013-BLS2

If You Were Subjected to Collection Activity by First Resolution Investment Corp. At Any Time From April 8, 2011 Through January 10, 2018,

You Could Benefit From This Class Action Settlement.

DO NOT CONTACT THE COURT REGARDING THIS SETTLEMENT.

ANY QUESTIONS SHOULD BE SUBMITTED THROUGH THIS SETTLEMENT WEBSITE VIA THE INQUIRY FORM ON THE LEFT HAND SIDE OF THIS PAGE.

The class notice you received in the mail may not have included a Notice Code. If not, a letter was mailed to you on Thursday, February 22nd which includes the code. Your 6 digit Notice Code is located to the left of your name and address on the front side of the letter or your original notice.

You are included in the Settlement if, at any time from April 8, 2011, through January 10, 2018, you were subjected to any collection activity by FRIC on a consumer debt while you were a resident of Massachusetts. If you received a class notice in the mail, FRICs records indicate you are a class member. Collection activities include, but are not necessarily limited to, sending a dunning letter, bill, invoice, notice, demand, statement, or similar document; contacting a debtor by mail or email; placing telephone calls to a debtor or to relatives, household members, neighbors, personal references or employers of a debtor; reporting a debt to a consumer reporting agency; filing or prosecuting a lawsuit; recording or levying an execution; filing or prosecuting a supplementary process action; filing or prosecuting a wage garnishment action; filing a proof of claim in a bankruptcy case; and accepting money from a debtor or on a debtor’s behalf. You are also included if FRIC filed any legal proceeding against you in any Massachusetts court during that time period.

It does not matter if third parties (such as collection agencies or lawyers) performed collection activities on FRIC's behalf. It also does not matter if you did not pay any money to FRIC.

All Class Members will receive a payment due to this Settlement. In addition, all Class Members with "open accounts" will have accrued interest forgiven and future interest waived. Finally, any Class Member who submits a timely and proper claim will receive a 10% reduction in any amount which was allegedly owed to FRIC as of September 26, 2017.

You do not need to do anything to receive a payment. And, if you have an "open account," you don't need to do anything have accrued interest on your account forgiven or to have future interest on your account waived.

If you want to receive a 10% credit on your existing account balance allegedly owed to FRIC, you must submit a claim to the Settlement Administrator by April 10, 2018. This is done by completing the claim form at the end of the mailed Notice you received (or a reasonable facsimile) and mailing the form to:

First Class, Inc./ J13713- Clark
5410 W. Roosevelt Rd., Suite 222
Chicago, IL 60644-1490

More details are in the Settlement Agreement and Class Notice posted on this website.

If you want to object to this Settlement, you must do so by April 10, 2018. Details regarding how to object are in the Settlement Agreement and Class Notice posted on this website.

If you have any additional questions, you also may contact Class Counsel by making an inquiry through this settlement website. You can also write to the Settlement Administrator at First Class, Inc./ J13713- Clark, 5410 W. Roosevelt Rd., Suite 222, Chicago, IL 60644-1490.

Class Counsel’s information is:

Kenneth D. Quat
Quat Law Offices
929 Worcester Road
Framingham, MA 01701
866-907-1220

Josef C. Culik
Culik Law, P.C.
South Tower
10 Post Office Square, Suite 800
Boston, MA 02109
617-830-1795

DO NOT CONTACT THE COURT REGARDING THIS SETTLEMENT.

ANY QUESTIONS SHOULD BE SUBMITTED THROUGH THE SETTLEMENT WEBSITE.

SEE THE INQUIRY FORM ON THE LEFT HAND SIDE OF THIS WEBSITE.