Class Action Questions American Coradius International Debt Settlement Offer

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American Coradius International, LLC is the defendant in a proposed class action filed by a Wisconsin consumer who claims the agency provided confusing and misleading information regarding a supposed debt settlement offer.

According to the suit, the defendant in December 2017 mailed the plaintiff a collection notice (Exhibit A) that contained an offer to resolve the man’s $50 account balance for $37.51, or 75 percent of the total. The lawsuit argues that the settlement offer, on its face, is misleading, as the plaintiff is left unsure as to whether the offer would actually settle the debt. From the suit:

“Exhibit A informs the consumer that ‘ACI is willing to accept $37.51 to resolve the above referenced account,’ and that if this payment is received on or before February 5, 2018, ‘ACI and PayPal will cease all collection efforts,’ indicating that the payment would settle the debt. 

However, Exhibit A also further informs the consumer that, ‘if at any time in the future you wish to resume business with PayPal, your remaining balance will have to be paid,’ indicating that payment would not actually settle the debt.”

Taken together, the defendant’s statements with regard to its settlement offer are “contradictory, and inherently false, deceptive, misleading, and confusing,” the case argues.