FDCPA Suit Claims ARS National Services Misrepresented Consumers’ Debt Dispute Rights

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ARS National Services, Inc. is on the receiving end of a proposed class action lawsuit filed over alleged violations of the Fair Debt Collection Practices Act (FDCPA). The lawsuit takes issue with a collection letter the defendant sent to a Pennsylvania consumer that supposedly listed several ways to submit payments and instructed the man to call the provided number “with any questions or to discuss all your payment options.”

“The letter is confusing and misleading because it suggests multiple options for the consumer to communicate with the debt collector in order to dispute the debt,” the complaint argues. “Specifically, by supplying the phone number and asking the consumer to call ‘with any questions’ the least sophisticated consumer would not know that a dispute must be in writing and may take the easier option of disputing the claim by phone.”

The case claims the defendant’s supposed insistence on verbal rather than written disputes misrepresents consumers’ rights under the Fair Debt Collection Practices Act and constitutes a “false or misleading” collection method.