CCB Credit Services Facing FDCPA Suit Over Debt Dispute Requirements

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A proposed class action has been filed against CCB Credit Services, Inc. over claims that the defendant unlawfully required consumers to submit debt disputes in writing. The debt collector allegedly sent the plaintiff a collection letter that instructed her to “MAIL ALL PAYMENTS AND CORRESPONDENCE TO” a physical address. From the complaint:

“The least sophisticated consumer, reading the Letter as a whole, would be likely to understand that, because a dispute is a correspondence, all disputes must be communicated in writing, thereby invalidating the right to make a dispute orally.”

The suit argues that the Fair Debt Collection Practices Act does not require disputes to be submitted in writing and that the defendant’s demand, therefore, violated federal law.