Medicredit TCPA Settlement

Frequently Asked Questions

  1. What is the purpose of the Notice?
  2. What does it mean if I received a postcard about this settlement?
  3. What is this class action lawsuit about?
  4. Why is there a settlement?
  5. How do I know if I am a part of the settlement class?
  6. Do I have lawyers in this case?
  7. How will Class Counsel be paid?
  8. What does the settlement provide?
  9. How much will my payment be?
  10. What am I giving up to stay in the Settlement Class?
  11. How can I get a payment?
  12. When would I receive a settlement payment?
  13. How do I get out of the settlement?
  14. If I do not exclude myself, can I sue Defendants for the same thing later?
  15. If I exclude myself, can I get a benefit from this settlement?
  16. How do I tell the Court that I do not think the settlement is fair?
  17. What is the difference between objecting and excluding yourself?
  18. What happens if I do nothing at all?
  19. When and where will the Court decide whether to approve the settlement?
  20. Do I have to come to the hearing?
  21. May I speak at the hearing?
  22. How do I get more information?
  1. What is the purpose of the Notice?

    The purpose of the Notice is to inform you that a proposed Settlement has been reached in the putative class action lawsuits entitled Martinez v. Medicredit, Inc. and Hornberger v. Medicredit, Inc. pending in the United States District Court for the Eastern District of Missouri, Case No. 4:16-CV-01138-ERW and the action entitled Verma v. Memorial Healthcare Group, Inc., 3:16-CV-00427-HLA-JRK, previously pending in the United States District Court for the Middle District of Florida, Jacksonville Division. Because your rights will be affected by this Settlement, it is extremely important that you read the Notice carefully.  The Notice summarizes the settlement and your rights under it.

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  2. What does it mean if I received a postcard about this settlement?

    If you received a postcard describing this settlement, it is because Defendants’ records indicate that you may be a member of the Settlement Class.  You are a member of the Settlement Class if you are one of the approximately 627,642 persons whose unique cellular telephone number has been identified in the call data produced in this litigation where the call records reflect Medicredit Inc. codes “WN” or “DNK” or NPAS Inc. Smart Codes 11, 13, 15, 42, 584, and 770. For Medicredit Inc., the calls at issue were made between July 2015 and October 2016.  For NPAS Inc., the calls were made typically made between April 2012 and October 2016. Excluded from the Settlement Class are the Judge to whom the Action is assigned and any member of the Court’s staff and immediate family, and all persons who are validly excluded from the Settlement Class.

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  3. What is this class action lawsuit about?

    In a class action, one or more people called Class Representatives (here, Plaintiffs) sue on behalf of people who allegedly have similar claims.  This group is called a class and the persons included are called class members.  One court resolves the issues for all of the class members, except for those who exclude themselves from the class.

    Here, Plaintiffs claims Defendants violated the TCPA by making automated and/or prerecorded collection calls regarding to cell phones without the prior express consent of Plaintiffs or the putative class members.  Defendants deny these allegations and deny any claim of wrongdoing.  The Court has conditionally certified a class action for settlement purposes only.  The Honorable E Richard Webber is in charge of this action.

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  4. Why is there a settlement?

    The Court did not decide in favor of Plaintiff or Defendants.  Instead, both sides agreed to this settlement.  That way, they avoid the risk and cost of a trial, and the Settlement Class members will receive compensation.  Plaintiff and Class Counsel think the settlement is best for all persons in the Settlement Class.

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  5. How do I know if I am a part of the settlement class?

    The Court has certified a class action for settlement purposes only.  The Settlement Class is defined as:

    “Settlement Class” means the approximately 627,642 persons whose unique cellular telephone number has been identified in the call data produced in this litigation where the call records reflect Medicredit Inc. codes “WN” or “DNK” or NPAS Inc. Smart Codes 11, 13, 15, 42, 584, and 770.  For Medicredit Inc., the calls at issue were made between July 2015 and October 2016.  For NPAS Inc., the calls were made typically made between April 2012 and October 2016. Excluded from the Settlement Class are the Judge to whom the Action is assigned and any member of the Court’s staff and immediate family (to the extent they received a listed call) and all persons who have opted-out of the Settlement Class.

    “Settlement Class Member” is defined as any person in the Settlement Class who is not validly excluded from the Settlement Class.  If you are still not sure whether you are included, you may write to the Claims Administrator at Medicredit, Inc. TCPA Settlement Claims Administrator, P.O. Box 404047, Louisville, KY 40233-4047, or you may call the Toll-Free Settlement Hotline, 1-855-200-4979, for more information. 

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  6. Do I have lawyers in this case?

    The Court has appointed the law firms of Keogh Law, Ltd. Eric W. Kem, Robert W. Murphy, Keogh Law, Ltd., Scott D. Owens PA, and Greenwald Davidson Radbil PLLC as Class Counsel to represent you and the other persons in the Settlement Class.  You will not be personally charged by these lawyers.

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  7. How will Class Counsel be paid?

    Class Counsel will ask the Court to approve payment of up to one third of the Settlement Fund, or $1,666,667, for attorneys’ fees plus reasonable expenses.  Class Counsel also will ask the Court to approve payment of $7,500 each to Plaintiffs for their services as Class Representatives.  The Court may award less than these amounts.

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  8. What does the settlement provide?

    Defendants will pay the total amount of $5,000,000 into a fund (the “Settlement Fund”), which will cover:  (1) cash payments to Settlement Class Members who submit timely and valid Claim Forms; (2) an award of attorneys’ fees and costs to Class Counsel, in an amount equal to one third of the settlement fund, not to exceed $1,666,667 plus expenses, as approved by the Court; (3) service award to the Plaintiffs, in an amount approved by the Court; (4) the costs of notice and administration of the Settlement; and (5) under certain circumstances as described below, a charitable contribution.

    All Settlement Class Members are eligible to submit a Claim Form and receive a cash payment.  

    Any money remaining in the Settlement Fund after paying all valid and timely claims to Settlement Class Members, attorneys’ fees and costs to Class Counsel, any service award to Plaintiffs and the costs of notice and administration of  the settlement will be paid either:  (1) in a second distribution to Settlement Class Members who submitted valid and timely Claim Forms and whose initial payments were cashed; or (2) if there are not enough funds to justify a second distribution, the remaining funds will be donated to a charity. Plaintiff will suggest the National Consumer Law Center, earmarked to preserve the protections of the TCPA, and Defendants suggest Legal Services Corporation, earmarked to support consumer protection related to telephone services.  There will only be a second distribution if there are enough funds to pay each Settlement Class Member $10.00 or more through a second distribution.  No portion of the Settlement Fund will return to Defendants. 

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  9. How much will my payment be?

    Your share of the Settlement Fund will depend on the number of valid Claim Forms that Settlement Class Members submit.  Class Counsel estimate that the amount of the cash award (while dependent upon the number of claims) will be approximately $82.

    This is an estimate only.  The final cash payment amount will depend on the total number of valid and timely claims submitted by Settlement Class Members.

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  10. What am I giving up to stay in the Settlement Class?

    Unless you exclude yourself from the settlement, you will be part of the Settlement Class and will be bound by the release of claims in the settlement.  This means that if the settlement is approved, you cannot rely on any Released Claim to sue or continue to sue, on your own or as part of any other lawsuit, Defendants and/or any other Released Parties, as explained in the settlement agreement.  It also means that all of the Court’s orders will apply to you and legally bind you.  Unless you exclude yourself from the settlement, you will agree to release Defendants and any other Released Parties, as defined in the settlement agreement, from any and all claims that arise from the calls to your cellular telephone at issue in this action.

    In summary, the Release includes all claims, causes of action, suits, obligations, debts, demands, agreements, promises, liabilities, damages, losses, controversies, costs, expenses, and attorneys’ fees of any nature whatsoever, whether based on any federal law, state law, common law, territorial law, foreign law, contract, rule, regulation, any regulatory promulgation (including, but not limited to, any opinion or declaratory ruling), or in equity, whether known or unknown, suspected or unsuspected, asserted or unasserted, foreseen or unforeseen, actual or contingent, liquidated or unliquidated, punitive or compensatory, as of the date of the Final Approval Order, that arise out of or relate in any way to the Released Parties’ contact or attempt to contact Settlement Class Members by placing pre-recorded or auto-dialed calls to Class Plaintiff and the Settlement Class Members’ cellular phones to the fullest extent that those terms are used, defined or interpreted by the TCPA or any other similar statute, relevant regulatory or administrative promulgations and case law, including, but not limited to, claims under or for a violation of the TCPA and any other statutory or common law claim arising under the TCPA as relative to pre-recorded or auto-dialed calls placed to cellular telephones (collectively, the “Released Claims”).

    If you have any questions about the Release or what it means, you can speak to Class Counsel, listed below, for free, or you can, at your own expense, talk to your own lawyer.  The Release does not apply to persons in the Settlement Class who timely exclude themselves.

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  11. How can I get a payment?

    To receive a payment, you must submit a Claim Form.  You may get a Claim Form on the Settlement Website or by calling the Toll-Free Settlement Hotline, 1-855-200-4979.  Read the instructions carefully, fill out the form completely and accurately, sign it and submit it.  To be valid, the Claim Form must be completed fully and accurately, signed and submitted timely.  A Claim Form may be submitted by mail to the Claims Administrator at: Medicredit, Inc. TCPA Settlement Claims Administrator, P.O. Box 404047, Louisville, KY 40233-4047.

    If you are submitting your claim via the Settlement Website or via the Toll-Free Settlement Hotline, it must be submitted no later than March 30, 2018.  If you are mailing your Claim Form to the Claims Administrator, it must be postmarked by that date.

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  12. When would I receive a settlement payment?

    The Court will hold a hearing on May 15, 2018 to decide whether to approve the settlement.  If the Court approves the settlement, after that, there may be appeals.  It is always uncertain whether these appeals can be resolved, and resolving them can take time, perhaps more than a year.  Everyone who sends in a Claim Form will be informed of the progress of the settlement through information posted on the Settlement Website.  Please be patient.

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  13. How do I get out of the settlement?

    If you want to keep the right to sue or continue to sue Defendants or a Released Party, as defined in the settlement agreement, then you must take steps to get out of the Settlement Class.  This is called excluding yourself from, or opting-out of, the Settlement Class.

    To exclude yourself from the settlement, you must send an exclusion request to the Claims Administrator.  To be valid, an exclusion request must:  (i) be signed by the person in the Settlement Class who is requesting exclusion; (ii) include the full name and address of the person in the Settlement Class requesting exclusion; and (iii) include the following statement: “I/we request to be excluded from the settlement in the Medicredit TCPA action.”  No request for exclusion will be valid unless all of the information described above is included.  No person in the Settlement Class, or any person acting on behalf of or in concert or participation with that person in the Settlement Class, may exclude any other person in the Settlement Class from the Settlement Class.

    To be valid, you must mail your exclusion request postmarked no later than March 30, 2018 to the Claims Administrator at Medicredit, Inc. TCPA Settlement Claims Administrator, P.O. Box 404047, Louisville, KY 40233-4047.

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  14. If I do not exclude myself, can I sue Defendants for the same thing later?

    No. If you do not exclude yourself, you give up any right to sue (or continue to sue) Defendants or any Released Parties for the claims that this settlement resolves.

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  15. If I exclude myself, can I get a benefit from this settlement?

    No. If you ask to be excluded, you will not be able to submit a Claim Form for a settlement payment and you cannot object to the settlement.

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  16. How do I tell the Court that I do not think the settlement is fair?

    If you are in the Settlement Class, you can object to the settlement or any part of the settlement that you think the Court should reject, and the Court will consider your views.  If you do not provide a written objection in the manner described below, you shall be deemed to have waived any objection and shall forever be foreclosed from making any objection to the fairness, reasonableness, or adequacy of the settlement or the award of any attorneys’ fees and costs and/or service award.

    To object, you must make your objection in writing, stating that you object to the settlement in Medicredit Telephone Consumer Protection Act Litigation.  To be considered by the Court, the written objection must:  (i) attach documents establishing, or provide information sufficient to allow the parties to confirm, that the objector is a Settlement Class Member, including providing the cellular telephone number at which you received the call; (ii) include a statement of the specific objections; and (iii) state the grounds for objection, as well as identify any documents which the objector desires the Court to consider.

    To be considered, you must file your objections with the Court and mail your objections to the addresses below no later than March 30, 2018.

    For Plaintiff:
    Keith Keogh, Esq.
    Keogh Law, Ltd.
    55 Monroe St., #3390
    Chicago, IL 60603

    For Medicredit:
    Maura K. Monaghan
    Debevoise & Plimpton LLP
    919 Third Ave.
    New York, NY 10022

    Even if you timely and properly object, to obtain a benefit from this settlement, you must submit a Claim Form.  If you object but fail to submit a Claim Form, you will not receive any monetary award.

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  17. What is the difference between objecting and excluding yourself?

    Objecting is telling the Court that you do not like something about the settlement.  You can object only if you stay in the Settlement Class.  Excluding yourself means that you do not want to be part of the Settlement Class.  If you exclude yourself, you have no basis to object because the case no longer affects you.

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  18. What happens if I do nothing at all?

    If you do nothing, you will not receive any monetary award and you will give up your rights to sue Defendants and/or any other Released Parties on a Released Claim.

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  19. When and where will the Court decide whether to approve the settlement?

    The Court will hold a Final Approval Hearing at 10:00 a.m. on May 15, 2018 at the United States District Court for the Eastern District of Missouri, Room 17 South, Thomas F. Eagleton U.S. Courthouse, 111 South 10th Street, St. Louis, MO 63102.  At this hearing, the Court will consider whether the settlement is fair, reasonable and adequate.  If there are valid objections that comply with the requirements in above, the Court also will consider them and will listen to people who have asked to speak at the hearing.  The Court may also decide how much to pay to Class Counsel and Plaintiffs.

    The Final Approval Hearing may be moved to a different date or time without additional notice, so it is a good idea to check the Settlement Website for updates.

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  20. Do I have to come to the hearing?

    No. Class Counsel will appear on behalf of the Settlement Class. But, you are welcome to come, or have your own lawyer appear, at your own expense.

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  21. May I speak at the hearing?

    You may ask the Court for permission to speak at the Final Approval Hearing, but only in connection with an objection that you have timely submitted to the Court according to the procedure set forth above.  To speak at the Final Approval Hearing, you must also file a document with the Court stating your intention to appear.  For this document to be considered, it must include your name, address, telephone number and your signature.  The document must be filed with the Court no later than March 30, 2018.  You cannot speak at the hearing if you exclude yourself from the settlement.

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  22. How do I get more information?

    The notice is only a summary of the proposed settlement.  You can get a copy of the settlement agreement HERE, or you can write to the address below or call the Toll-Free Settlement Hotline,
    1-855-200-4979.  You can also call class counsel with any questions at 1-866-726-1092 or TCPAsettlement@keoghlaw.com.

    Medicredit, Inc. TCPA Settlement
    Claims Administrator
    P.O. Box 404047
    Louisville, KY 40233-4047

    DO NOT CALL OR WRITE TO THE COURT, THE CLERK OF THE COURT, MEIDCREDIT INC., NPAS INC.  OR DEFENDANT’S COUNSEL ABOUT THE SETTLEMENT.  ALSO, TELEPHONE REPRESENTATIVES WHO ANSWER CALLS MADE TO THE TOLL-FREE NUMBER ARE NOT AUTHORIZED TO CHANGE THE TERMS OF THE SETTLEMENT OR THE NOTICE.

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