Frost-Arnett Company Facing Lawsuit Over ‘Misleading’ Debt Dispute Instructions

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A proposed class action alleges that Frost-Arnett Company sent to a consumer a collection letter in which it failed to fully apprise the man of his debt dispute rights.

The case centers on a July 2018 letter sent to a New Jersey resident that stated, in part:

“If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification.”

According to the suit, the notice failed to disclose that any dispute must be made in writing. By beginning the statement with “if,” the case argues, the letter falsely implied that the writing requirement was voluntary.

All told, the plaintiff alleges he was robbed of the opportunity to exercise all of his options because of misrepresentations in the letter.