A Wisconsin woman has filed suit against Real Time Resolutions, Inc. claiming the defendant failed to clearly communicate in a collection letter her rights under federal law. According to the complaint, debt collectors are required to “clearly and conspicuously” inform consumers of their right to dispute an alleged debt. The suit argues that the plaintiff’s collection letter included a validation notice, but unlawfully placed it on a separate page where it was overshadowed by additional information. From the complaint:
“If a debt collector wants to put the validation notice somewhere other than the front of the collection letter, there must be clear and conspicuous language on the front of the letter explaining this to the debtor.”
The front of the letter allegedly failed to direct the plaintiff to the validation notice and therefore violated the Fair Debt Collection Practices Act, according to the suit.