Lawsuit Claims Advantage Collection Professionals Misled Consumer About Verification Rights

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A proposed class action out of Wisconsin alleges Advantage Collection Professionals, LLC sent a debt collection letter in which it failed to “clearly and unambiguously” state that in order for the plaintiff to invoke her right to get the company to cease collection activities until verification is provided, requests for such must be made in writing. The lawsuit, which alleges violations of the Fair Debt Collection Practices Act (FDCPA), claims the defendant unlawfully included language in its collection notice that overtly directed debt disputes away from Advantage Collection Professionals and toward other parties – in this case, the plaintiff’s original creditor and the Minnesota Attorney General. The case argues the purpose of this conduct is to discourage consumers from triggering the FDCPA’s verification requirements.