Firstsource Advantage Hit with Class Action Over Allegedly Unlawful Collection Notice

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A proposed class action out of New York federal court alleges Firstsource Advantage, LLC sent a letter to a consumer that failed to convey her debt balance and overshadowed the woman’s debt dispute rights.

The November 2017 letter allegedly indicated a balance “as of the date above.” The suit argues the notice failed to adequately state the debt amount by not disclosing that the balance may increase due to interest and fees or providing details such as the interest rate and date of accrual that would allow the plaintiff to calculate how much she owed on a given day.

“The written notice, to comply with [the Fair Debt Collection Practices Act] must allow the least sophisticated consumer to determine what he or she will need to pay to resolve the debt at any given moment in the future,” the complaint says.

Moreover, the case claims the defendant overshadowed the woman’s debt dispute rights by stating them “in an inconspicuous manner” and deceptively encouraging the plaintiff to call the company in order to resolve the debt.