MCS Claim Services, Inc. is on the receiving end of a proposed class action filed by a New York woman who alleges the debt collector failed to include in a collection letter required disclosures regarding debt disputes. According to the complaint, the July 2017 letter neglected to inform the plaintiff of the following:
that if the woman does not dispute the debt, “or any portion thereof,” within 30 days, the debt collector will assume the debt is valid;
that if the plaintiff does notify the defendant of her dispute within 30 days, the debt collector “will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector”; and
that upon the woman’s written request within 30 days, the defendant will provide her with the name and address of her original creditor.