Debt Collection Company Hit with FDCPA Lawsuit from Wisconsin Consumer

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A Wisconsin resident has filed a lawsuit against debt collection company I.C. System, Inc. over alleged violations of the Fair Debt Collection Practices Act. The suit claims I.C. System, Inc. sent the plaintiff a letter regarding a debt of more than $6,000 allegedly owed to “TD Bank USA, NA/Target Credit Card.” Below the balance due, the suit claims, was a statement that the company would “accept a reduced payment amount of $4261.04 to settle your account in full” and that “this settlement offer is valid for the balance shown on your account(s) as of the date of this letter…any additional balances added after this date are not included.” The lawsuit alleges that this language is “inherently confusing and ambiguous,” could have multiple meanings, and could mislead the average consumer. The suit is looking to cover Wisconsin residents who received a similar letter from the defendant between December 9, 2015 and December 9, 2016.