Midland Credit Management Miscommunicates Consumer Rights, Suit Says

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Midland Credit Management, Inc. has been named as the defendant in a proposed class action lawsuit filed by a New York consumer who claims the debt collector’s letters inaccurately state her rights under federal law. According to the complaint, the defendant sent collection letters instructing recipients to “mail disputes to” a physical address. The suit argues that this language indicates to consumers that they must submit disputes only in writing instead of verbally, when verbal disputes are just as valid under the Fair Debt Collection Practices Act.