TROUBLE ON THE HORIZON: Medicredit Facing $450MM in Exposure for Wrong Number Robocalls Calls in Certified TCPA Class Action–And is Morgan & Morgan Back in the Game?

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Morgan & Morgan.

They claim to be the biggest plaintiff’s firm in the country– and maybe they are.

But they’re just a bunch of car crash lawyers right?

Well maybe not.

Many years ago a guy named Billy Howard ran a group at Morgan & Morgan that brought consumer protection cases– including under the TCPA.

He ended up leaving to start his own firm and the group fell to Tav Gomez.

Now long after he left and when he did Morgan & Morgan got out of the consumer protection game, seemingly to focus on car crashes (much easier to shakedown insurance companies than small businesses after all.)

But now Morgan & Morgan appears to be back in the TCPA game and teaming up with a bunch of TCPAWorld hitters. And that’s actually incredibly frightening.

Take the case of Saggio v. Medicredit, 2026 WL 183533 (E.D. Mo. Jan. 23, 2026).

There the court certified a TCPA class action against Medicredit involving 300,000 calls its own records indicated might have been to wrong numbers. (Important take aways from this I can’t put in writing but you should call me if you have concerns– and you should.)

Medicredit hired Spencer Fane– a #biglaw group that just absorbed a bunch of lawyers from the collapsing McGlinchey Stafford– and they appear to have done their best here. But it wasn’t good enough.

But a #biglaw firm losing a TCPA certification effort is old hat, of course they lost. #BigLaw basically ALWAYS loses in TCPA suits. That’s barely even a story at this point.

The story is the plaintiff’s attorney lineup.

Check this out Avi Kaufman, Billy Howard, Amanda Allen AND Morgan & Morgan all on the same case.

Now, this case was filed back in 2022. So it is possible Morgan & Morgan is just “seeing this one through” and it arose back when Howard was still with the firm but I don’t think so.

This looks like a very dangerous return to the game for M&M. And with their resources, TCPAWorld could really become an even scarier place.

Will keep a very close eye on this.

For now though Medicredit is facing about half a billion in exposure here but at least they’ll provide an EXCELLENT cautionary tale to discuss at Law Conference of Champions in a couple months. Have your tickets to the GREATEST compliance show on Earth yet?

Will be sold out soon. Guarantee it.

Chat soon.

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Published by Eric "Czar" Troutman

The Czar of TCPAWorld Eric Troutman is one of the country’s prominent class action defense lawyers and is nationally recognized in Telephone Consumer Protection Act (TCPA) litigation and compliance. He has served as lead defense counsel in more than 70 national TCPA class actions and has litigated nearly a thousand individual TCPA cases in his role as national strategic litigation counsel for major banks and finance companies. He also helps industry participants build TCPA-compliant processes, policies, and systems. Eric has built a national litigation practice based upon deep experience, rigorous analysis and extraordinary responsiveness. Eric and his team feel equally at home litigating multibillion dollar telecommunications class actions in federal court as they do developing and executing national litigation strategies for institutions facing an onslaught of individual TCPA matters. They thrive in each of these roles – delivering consistently excellent results – while never losing sight of the client experience. While many firms now tout TCPA expertise, Eric has been there from the beginning. He built one of the country’s first TCPA-only defense teams and began serving as national TCPA counsel for his clients nearly a decade ago. This perspective allows him to swiftly develop the right litigation strategies for dealing with recurring problems, without wasting time on tactics that are bound to fail. Eric’s rich historical perspective and encyclopedic knowledge of the TCPA landscape also make him an invaluable resource to institutional compliance teams struggling to comply with the shifting regulatory landscape. No task is too small – or too big. Indeed, Eric and his team have helped build TCPA-compliant systems and processes for some of the largest and most complex corporate entities in the country. He commonly works with in-house compliance counsel to build and implement enterprise and business-line specific TCPA solutions, performs TCPA audits and drafts and reviews proposed TCPA policies and procedures. He and his team also have the technical expertise necessary to assist call centers seeking to develop TCPA-resistant call path architecture or to modify existing telephony and software integration to better insulate from potential TCPA exposure. Eric has built a reputation for thought leadership. An avid blogger and speaker, he has been at the forefront of the industry’s effort to push for clarity and a return to sanity for the TCPA for years. He was selected to advocate for the financial services industry on important TCPA issues before the Federal Communications Commission and co-authored the nation’s only comprehensive practice guide on TCPA defense. In his spare time, Eric leads defense teams representing banks and other financial services companies in consumer finance litigation matters. He has experience representing clients in UCC, TILA, RESPA FCRA, CCRA, CLRA, FDCPA, RFDCPA and FCCPA claims, as well as in fraud and bank operations issues.

2 Comments

  1. So Morgan, Morgan, Morgan, Morgan & friggin’ Morgan is in the TCPA game?

    Curiously they don’t mention the fact they’ve been nailed for using GenAI/ChatGPT to cite non-existent cases in their filings (try 8 out of 9!!!!!) Yeah M&M you brag about 1,000+ atty’s and you can’t bother to fact check your docs!?!?! In fact even one of the Morgan clan (just how many are there?!) signed off on the fabricated doc!!!

    https://www.abajournal.com/news/article/no-42-law-firm-by-headcount-could-face-sanctions-over-fake-case-citations-generated-by-chatgpt

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