Class Action Alleges Asset Acceptance Violated Debt Collection Laws

New to ClassAction.org? Read our Newswire Disclaimer

A proposed class action filed in Michigan alleges Asset Acceptance, LLC, while attempting to collect debts, unlawfully noted on the outside of envelopes that the plaintiff is a “judgment debtor,” whereas federal and state laws allow for only the debt collector’s address to be printed on the outside of envelopes sent to consumers.

Citing alleged Fair Debt Collection Practices Act (FDCPA) and Michigan Regulation of Collection Practices Act (MRCPA) abuses, the lawsuit argues the plaintiff was sent a collection notice in an envelope that, while noting the contents of the letter are “personal and confidential,” also identified her as a “judgment debtor.” Such conduct, the lawsuit says, can cause collection letter recipients injury-in-fact through embarrassment and a breach of privacy interests.