Lawsuit: Credit Control's Letter Overshadows Consumers' Rights

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Credit Control, LLC is the defendant in a proposed class action lawsuit that claims it failed to communicate the plaintiff’s rights under the Fair Debt Collection Practices Act (FDCPA). According to the suit, the consumer has 30 days from the receipt of a collection letter to dispute the alleged debt and/or obtain verification from the debt collector. The plaintiff supposedly received a letter from Credit Control around July 14, 2016 that offered her a settlement and required that she accept it by “no later than JULY 22, 2016.” The suit argues that this deadline overshadows the plaintiff’s 30-day validation period and discourages her from disputing the debt or demanding validation. It further claims that the letter would cause the unsophisticated consumer to be “uncertain” and “confused” as to his or her rights under the FDCPA.