Class Action: Wakefield & Associates Failed to Identify Creditor in Letter

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A proposed class action filed against Wakefield & Associates Inc. claims the debt collector sent a letter in which it failed to identify a consumer’s creditor.

The suit says the plaintiff received a letter from the defendant in March 2018 regarding debts purportedly owed by her deceased husband. Although the notice identified Bell Ambulance, Inc. as the original creditor, it did not name the current creditor and instead stated only that the debts were referred to the company by an unspecified “client,” the case alleges.

“The debt collector may disclose the identity of the creditor to whom the debt is owed by expressly identifying that entity as the 'creditor,' the 'current creditor,' or other non-confusing language,” the lawsuit states, “but must do so explicitly to ensure the letter is not ambiguous on the question of the current owner of the debt.”