This section contains the nature of the case and procedural background.

Fleet (P) contends that the fee charged by USCC was unconscionable for the services provided. It was a $190-260 fee to refer financially troubled consumers to an attorney. USCC (D) advertised itself as a financial counseling service that could consolidate or erase debts and arrange for home mortgages. People in trouble contacted D and paid a fee. P paid such a fee. D merely referred P to an attorney. P brought this class action.

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