Lawsuit: Frontline Asset Strategies Sends ‘Confusing’ Debt Collection Letters

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Frontline Asset Strategies, LLC is on the receiving end of a proposed class action lawsuit claiming it misled consumers regarding the amount of their alleged debts, in violation of the Fair Debt Collection Practices Act. The plaintiff says she received a collection letter from the defendant that contained the following information:

-Total Due as of Charge-off: $2215.86

-Total Interest Accrued Since Charge-off: $628.86

-Total Non-Interest Charges or Fee Accrued Since Charge-off: $259.00

The suit argues the letter is confusing to the unsophisticated consumer because it could have more than one meaning. More specifically, the plaintiff argues it is unclear if the “Total Due” is $2215.86, or if the “Total Due” is $2215.86 plus $628.86 and $259.00, the fees that were supposedly added “since” the charge-off.

“[The latter] is a reasonable, albeit false, interpretation,” the complaint argues, “because the Letter states that the total is due as of charge-off, yet it also itemizes charges that were assumed since charge-off. Basic vernacular lends to the understanding that if something is due as of charge off, i.e. when it was charged off by the original creditor, if it then accrues additional fees post charge-off, the same amount cannot also be due since charge-off.”

The suit additionally claims that the letter fails to indicate whether interest or fees will continue to accrue, further hindering the plaintiff’s ability determine how much needs to be paid to settle the account.