A consumer has filed a proposed class action lawsuit against debt collector ARS National Services, Inc., claiming the defendant did not clearly communicate the amount of her alleged debt. She says she received a debt collection letter from ARS that contained a “balance” and a settlement offer that could be misinterpreted. The defendant allegedly neglected to indicate whether the balance would increase due to interest and late fees or a refusal of the settlement offer. Due to this alleged lack of disclosure, the suit argues that the least sophisticated consumer would be unable to determine the true amount of his or her debt and would therefore be hindered from taking calculated actions to settle the account. According to the complaint, the letter is “deceptive” because it is “susceptible to an inaccurate reading by the least sophisticated consumer.”
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