FMA Alliance Accused of Denying Consumers FDCPA Dispute Rights

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FMA Alliance, Ltd. is facing a proposed class action lawsuit alleging the company violated the Fair Debt Collection Practices Act (FDCPA) by indicating to consumers that they must submit any debt disputes in writing. The defendant allegedly sent the plaintiff a collection letter that instructed her to “send all payments or correspondence” to a physical address. The suit argues that this language implies to the least sophisticated consumer that disputes – which would be considered “correspondence” – must be submitted in writing, while the FDCPA also allows for oral disputes.