Class Action: Phillips & Cohen Associates Misled Consumer Regarding Debt Amount, Dispute Rights

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Phillips & Cohen Associates, Ltd. is the defendant in a proposed class action filed over claims that the collection agency sent to a consumer a misleading letter that failed to state the man’s debt amount and properly disclose his dispute rights.

Filed in Wisconsin, the suit says the plaintiff received a letter from the agency in May 2018 concerning an obligation owed to Barclays Bank of Delaware. According to the complaint, the letter stated that “If you are not represented by an attorney or have discontinued attorney representation, we will work with you to attempt to resolve this matter,” with no mention of the recipient’s rights or account balance.

The case argues that by not including mandatory disclosures of the consumer’s dispute rights, the letter interfered with “the 30-day period in which the consumer [had] the right to temporarily stop collection activities.”