Class Action: Credit Counsel, Inc. Impermissibly Threatened Consumer with Lawsuit

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Credit Counsel, Inc. is the defendant in a proposed class action in which the plaintiff claims she received a collection notice from the company that included a threat of legal action the debt collector never truly intended to take. Filed in Georgia, the complaint says the plaintiff received a notice in May 2017 that stated, in part:

This letter informs you that unless full payment is made directly to Credit Counsel Incorporated within ten (10) working days after the date of this letter, my client may choose to proceed with legal action against you or refer the account to an attorney in your jurisdiction for immediate action.”

The suit then says the notice was signed by a “corporate counsel attorney for the defendant.” Such language, the case argues, is threatening and coercive and serves only to scare the plaintiff into making payment.

“Specifically, though, this language is false since one year later [the defendant] still has not brought legal action against [the plaintiff] for collection on this account,” the lawsuit points out.