Midland Credit Management Illegally Requires Written Debt Disputes, Suit Says

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A New York woman has filed a proposed class action lawsuit against Midland Credit Management, Inc. claiming the debt collector sent her a notice that failed to comply with the Fair Debt Collection Practices Act.

The plaintiff allegedly received a letter from Midland Credit Management that instructed her to “MAIL CORRESPONDENCE BUT PAYMENTS TO” a physical address. The suit argues this statement unlawfully requires that any disputes regarding the debt, which it says would be considered “correspondence,” must be submitted in writing. According to the complaint, this requirement violates the FDCPA, which allegedly allows for disputes to be made orally.