Georgia Woman Claims Debt Collector Made Unlawful Threat in Mailed Notice

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A Georgia consumer claims in a proposed class action that Allied Collection & Credit Bureau, Inc. mailed her a collection notice in October 2016 in which it allegedly included language that overshadowed the plaintiff’s Fair Debt Collection Practices Act (FDCPA) rights.

According to the case, the defendant’s communication stated “FINAL WRITTEN NOTICE *** YOUR CREDIT MAY BE AFFECTED.” This language, the lawsuit argues, amounts to a threat meant to make the plaintiff believe she must make payment on her supposed obligation immediately or else risk further action against her. Further, the case says the defendant’s threat of the plaintiff’s credit being harmed overshadows the woman’s rights under the FDCPA, which allows for a 30-day window in which a debt can be disputed and collection activities must cease.