Lawsuit: Van Ru Credit Corporation Denies Consumers’ FDCPA Rights

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Van Ru Credit Corporation is on the receiving end of a proposed class action lawsuit claiming it violated sections of the federal Fair Debt Collection Practices Act (FDCPA). The plaintiff in the case, a Virginia resident, says she received from the defendant a collection letter regarding an alleged student loan debt that advised her to submit any disputes in writing and noted that consumers could not request a review of their debt if they were “dissatisfied with the school [they] attended.”

The suit argues that these statements are misleading because they imply that consumers are barred from exercising certain rights they are entitled to under the FDCPA – specifically, the rights to submit an oral dispute or to request a review of their debt if the school has committed fraud against them, leaving them “dissatisfied.”