Consumer Claims Debt Collector Ignores Disclosure Requirements

New to ClassAction.org? Read our Newswire Disclaimer

A California woman has filed a proposed class action lawsuit against defendant J&L Collection Services, Inc., (which does business as J&L Teamworks), that claims the debt collector failed to include required disclosures in a collection letter. According to the complaint, the letter specified an owed amount of $281.04, which included interest, but neglected to indicate the interest rate or provide any other way for the plaintiff to accurately calculate how much she owed on a given day.

The suit further claims that the letter failed to disclose a statement informing the plaintiff of her right to dispute the alleged debt and obtain verification. As a result, the defendant’s conduct is considered “unfair and unconscionable” under the Fair Debt Collection Practices Act, according to the suit.