Merchants & Professional Credit Bureau Facing Lawsuit Over ‘False and Threatening’ Payment Deadlines

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A proposed class action filed in Texas details one consumer’s allegations that defendant Merchants & Professional Credit Bureau mailed a collection notice that contained “false and threatening deadlines” regarding the payment of the plaintiff’s debt. According to the complaint, the defendant sent the plaintiff a collection letter in February 2017 that stated, in part:

 “48 Hour Notice – Your account is now being reevaluated. Additional collection efforts are certainly unwanted, but you help govern that. We must notify you, that at any time after 48 hours we plan to take collection action as appropriate to obtain payment in full.”

The lawsuit says the plaintiff then received two additional notices in March 2017 that contained similar threatening language and payment deadlines. The language in the three notices is contradictory, the complaint argues, as the plaintiff’s account was clearly not escalated.

 “These threats are false statements since the defendant has no intention of escalating or changing the collection status, and only exist to coerce [the plaintiff] into paying immediately,” the complaint reads.