UNITED STATES DISTRICT COURT
FOR THE EASTERN DISTRICT OF LOUISIANA
UNITED STATES OF AMERICA,
Plaintiff,
v.
CREDIT ADVISORS, INC., a corporation; CREDIT CORPORATION OF AMERICA,
INC., a corporation;and GREGORY J. RUIZ, individually and as an
officer of the corporations,
Defendants.
CIVIL NO.
COMPLAINT FOR CIVIL PENALTIES, INJUNCTIVE, AND OTHER RELIEF
Plaintiff, the United States of America, acting upon notification and
authorization to the Attorney General by the Federal Trade Commission
("Commission"), for its complaint alleges that:
1. Plaintiff brings this action under Sections 5(a)(1), 5(m)(1)(A),
13(b), 16(a), and 19 of the Federal Trade Commission Act ("FTC Act"),
15 U.S.C. §§ 45(a)(1), 45 (m)(1)(A), 53(b), 56(a), and 57b, and
Section 410(b) of the Credit Repair Organizations Act, 15 U.S.C.
1679h(b), to obtain monetary civil penalties, consumer redress and
injunctive and other relief for Defendants' violations of the Credit
Repair Organizations Act, 15 U.S.C. § 1679-1679j; and consumer redress
and injunctive and other relief for Defendants' violations of Section
5(a)(1) of the FTC Act, 15 U.S.C. § 45(a)(1).
JURISDICTION AND VENUE
2. This Court has jurisdiction of this matter pursuant to 28 U.S.C.
1331, 1337(a), 1345, 1355 and pursuant to 15 U.S.C. §§ 45(m)(1)(A),
53(b), 56(a), 57b, and 1679h(b)(2). This action arises under 15 U.S.C.
§§ 45(a)(1) and 1679h(b).
3. Venue in this district is proper under 15 U.S.C. § 53(b) and under
28 U.S.C. § 1391(b) and (c) and 1395(a).
DEFENDANTS
4. Defendant Credit Advisors, Inc. (hereinafter "Credit Advisors") is
a Delaware corporation with its office and principal place of business
located at 5416 Veterans Blvd., Suite 204, Metairie, Louisiana 70003.
SNIPPETS:
UNITED STATES DISTRICT COURT
FOR THE EASTERN DISTRICT OF LOUISIANA
UNITED STATES OF AMERICA,
COMPLAINT FOR CIVIL PENALTIES, INJUNCTIVE, AND OTHER RELIEF
Plaintiff, the United States of America, acting upon notification and authorization to the
Plaintiff brings this action under Sections 5, 5, 13, 16, and 19 of the Federal Trade
Act, 15 U.S.C. § 45.
This Court has jurisdiction of this matter pursuant to 28 U.S.C. §§ 1331, 1337, 1345, 1355
Defendant Credit Advisors, Inc. is a Delaware corporation with its office and principal place
Defendant Credit Advisors transacts business in this District.
Defendant Gregory J. Ruiz is President of Defendants Credit Advisors and Credit Corporation.
Individually or in concert with others, Defendant Ruiz has formulated, directed and
At all times relevant to this complaint, Defendants have maintained a substantial course of
Defendants have offered services to remove negative information from, or improve, consumers'
Consumers have contacted Defendants by telephone and have been told by Defendants'
Defendants have made such representations to consumers even where such negative information
Pursuant to Section 410of the Credit Repair Organizations Act, 15 U.S.C. § 1679h, any
CIVIL PENALTIES, CONSUMER REDRESS AND INJUNCTION
Each sale or attempted sale, since the effective date of the Credit Repair Organizations Act,
Section 4 of the Federal Civil Penalties Inflation Adjustment Act of 1990, 28 U.S.C. § 2461,
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