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Misleading or Confusing Debt Collection Letter

Past Due Bill

One of the aims of the Fair Debt Collection Practices Act (FDCPA) is clarity for the consumer debtor. However, the complaint for this class action claims that debt collector DeVille Asset Management, Ltd. sowed confusion for plaintiff Sedrick Woods in its collection letter by both giving him notice of the thirty-day validation period and demanding payment within the same thirty days. 

Person Buried Under Letters D-E-B-T

Among the most important things for a debtor to know is the amount of the debt, and whether that amount is still increasing via the accrual of interest, late charges, and fees. The complaint for this class action claims that Financial Recovery Services, Inc. failed to make this clear in its debt collection letter to Mabel Reyes, in violation of the Fair Debt Collection Practices Act (FDCPA).

Figure Carrying Letters D-E-B-T on Its Back

The Fair Debt Collection Practices Act (FDCPA) contends that consumers cannot make the best decisions about how to handle debts unless they receive clear, truthful, and unambiguous information. The complaint for this class action alleges that an attorney did not provide accurate or truthful information about the amount of a debt he was attempting to collect by not informing the debtor that the amount of the debt was increasing daily.

Debt Papers with "Final Notice" in Red

One of the most important provisions of the Fair Debt Collection Practices Act (FDCPA) is that collections agencies must inform consumers of the amount of their debt, without ambiguity or deception. The complaint for this class action claims that a letter from Global Credit & Collection Corporation fails to do this in citing a “Current Balance” without making clear whether that balance might or might not change.

Ball and Chain Marked "DEBT"

Plaintiff Chelsea Leonard received a debt collection letter with a serious, threatening tone: “All reasonable efforts to resolve your seriously delinquent account have been exhausted. This is our final notification... Arrangements must be made immediately to avoid credit bureau reporting to the three major credit reporting agencies for up to seven years.” The complaint for this class action claims that this letter is a violation of the Fair Debt Collection Practices Act (FDCPA), in threatening negative action it cannot legally take.

Person Buried Under Letters D-E-B-T

The Fair Debt Collection Practices Act specifies information that must be provided to a consumer within five days of the first contact by a debt collector. The complaint for this class action claims that the debt collection letter sent by Valentine & Kebartas, LLC to plaintiff Dena Witt omits both the name of the current creditor and the fact that Witt’s alleged debt is still accruing interest or fees. 

Enhanced Recovery Company Logo

The Fair Debt Collection Practices Act (FDCPA) requires that, within five days of a debt collector’s initial contact with a consumer, it provide certain information, including the consumer’s right to dispute the debt. The complaint for this class action claims that Enhanced Recovery Company, LLC did not provide information in its letter to plaintiff Avrohom Bluming about his right to dispute the debt or any portion of it.

Figure Carrying Letters D-E-B-T on Its Back

The Fair Debt Collection Practices Act (FDCPA) is aimed at preventing the use of abusive methods or false information in the collection of debts. The complaint for this class action claims that Frontline Asset Strategies, LLC and JH Portfolio Debt Equities, LLC have violated this law in the initial debt collection letter sent to plaintiff Andre Boggerty, which informed him that he could only dispute the debt in writing.

Papers on Clipboard Saying "Debt Collection"

One of the most important pieces of information a debtor wants to know is who has the right to collect the debt—that is, who the current creditor is. The complaint for this class action claims that the collection letter sent by Client Services, Inc. fails to make that clear, in violation of the Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act (TDCA).

Money Given from Hand to Hand

One of the purposes of the Fair Debt Collection Practices Act (FDCPA) is to ensure that debtors are not confused by the information in debt collection letters. The complaint for this class action claims that the debt collection letter sent out by the Law Offices of Robert J. Colclough, III have violated this provision in not making clear who the current creditor is or to whom the debt must be paid. 

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