Ability Recovery Services Faces NY Man’s Debt Collection Lawsuit

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Ability Recovery Services LLC is facing a proposed class action lawsuit claiming it sent the plaintiff a collection letter that failed to comply with the Fair Debt Collection Practices Act (FDCPA). According to the suit, the man received a letter from Ability Recovery that listed his “total” balance, but neglected to mention whether the amount would increase due to interest or other fees. The complaint argues that his account was, in fact, subject to these extra charges per his contract with the original creditor and that the defendant was required under the FDCPA to disclose any possible changes to the balance listed in the letter.

The suit further claims that the debt collector failed to clearly identify the plaintiff’s creditor and simply referenced the entity “FASTUNSECURED.COM” without noting whether it was the creditor to whom the debt was owed.