FDCPA Lawsuit Filed Against Encore Receivable Management

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A new class action out of Wisconsin claims Encore Receivable Management overstepped the boundaries set by the Fair Debt Collection Practices Act (FDCPA). According to the complaint, the defendant sent the plaintiff a debt collection letter that listed her “Total Account Balance” as $1,024, but then noted the “Total Amount Due” was $434. As handed down in a 2007 case ruling, “only the past due amount, the amount owed [to the debt collector]” can be listed as the amount of debt owed. The FDCPA prohibits false, deceptive, or misleading representations” on the part of collectors when attempting to retrieve a debt.