A proposed class action alleges that Ross & Associates violated the Fair Debt Collection Act (FDCA) by sending an unlawful collection letter to the plaintiff. The plaintiff received a collection letter from the defendant in July 2017, the complaint says. According to the lawsuit, the letter included the following statement:
“However, unless you notify us in writing within thirty days after receipt of this letter that the validity of this debt, or any portion of it, is disputed, we will assume the debt is valid."
The case argues that it is unlawful to require that a debt dispute be made in writing. It further alleges that the language used in the letter misleads the consumer regarding her rights, effectively violating the FDCA.