Delta Outsource Group Sued Over Alleged False Implication of Increasing Debt Balance

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Delta Outsource Group, Inc. is facing a proposed class action filed by a Wisconsin consumer who claims the defendant sent her a collection letter containing misleading language regarding her debt balance. The plaintiff owed a debt to OneMain Consumer Loan, Inc. that was charged off in February 2017, the lawsuit says, meaning the creditor had not imposed any additional interest, late charges or other charges. The lawsuit alleges that the plaintiff, however, received a collection notice from the defendant that deceptively implied her debt was accumulating interest and fees.

From the complaint: 

“The Letter states the ‘Current Balance’ of the Debt was $2,034.03 which falsely implied the amount of the Debt was not static and subject to increase in the future due to the continuing accrual of interest and late fees.”

The lawsuit argues that the language above aimed to coerce the plaintiff into making a timely payment to avoid an increase in her debt balance. As such, the lawsuit claims that the defendant violated the Fair Debt Collection Practices Act by sending a letter that was “false, deceptive, and misleading to an unsophisticated consumer.”