Midland Credit Management Sued Over 'Nonsensical' Letters

New to ClassAction.org? Read our Newswire Disclaimer

A proposed class action lawsuit has been filed against Midland Credit Management Inc. that claims the debt collector included “vague” language in its collection letters to mislead consumers. The letters allegedly state:

“If you pay your balance in full, we will report your account as Paid in Full. If you pay less than your full balance, we will report your account as Paid in Full for less than the full balance.”

According to the suit, this language is misleading because it implies that payment of any amount of money less than the full amount will result in the defendant reporting the debt as “Paid in Full for less than the full balance.” The letter allegedly failed to disclose the minimum payment required for the “paid in full” reporting options. The complaint further claims that the statement is “nonsensical” and argues that the contradictory language is meant to confuse the consumer.

Even further, the defendant unlawfully threatened to involve an attorney in the debt collection process if the debt remained unpaid, but never intended to follow through with its threat, according to the suit.