Debt Collection Agency Fresh View Solutions Hit with Class Action

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Fresh View Solutions is the defendant in a proposed class action filed by a New York woman who claims the company sent her a debt collection letter that violated the Fair Debt Collection Practices Act (FDCPA). According to the complaint, the letter stated a “Current Balance” of $20,227.53 and offered the plaintiff various settlement options. However, the defendant unlawfully failed to clearly state the full amount of the alleged debt, the suit argues, as it did not specify if or how interest would accrue. If the plaintiff paid off the “Current Balance” listed in the collection letter, Fresh View Solutions or the creditor may still be able to seek additional payments of accumulated interest or legal fees, which the FDCPA requires the defendant to disclose to the consumer, according to the complaint. As a result of this nondisclosure, the “materially misleading statements” in the debt collection letter would leave the unsophisticated consumer unsure of how much debt is owed and unable to “intelligently choose his or her response,” the suit says.