Class Action: Three Defendants Violated Debt Collection Laws

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Integrated Recovery Services, Inc., United Debt Holding, LLC, and an individual defendant are facing a proposed 16-count class action that alleges numerous violations of the Fair Debt Collection Practices Act (FDCPA). The plaintiff claims the defendant failed to disclose in writing that unless the validity of the alleged debt was disputed within 30 days, the debt will be assumed to be valid by the debt collector. Among the other alleged violations of the FDCPA noted in the complaint, the plaintiff says the defendant also failed to provide her with notice that if she disputed the debt, then the debt collector will be obligated to provide a copy of such verification.

The lawsuit later claims the defendants contacted the plaintiff’s parents about her debt and unlawfully disclosed information it was not authorized to disclose.