NJ Law Firm Hit with Class Action Over Debt Collection Methods

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Little Falls, New Jersey-based law firm Andrea Visgilio-McGrath, LLC is facing a proposed class action claiming it sent a collection letter that unlawfully stated that until the debt was paid, it may appear on the plaintiff’s credit report and adversely impact her credit score. The lawsuit argues the inclusion of this language is a violation of the Fair Debt Collection Practices Act (FDCPA), as there is a limited seven-year period in which a collection item can remain in an individual’s credit history. “A payment made on a judgment has no effect as to whether a judgment continues to appear on a credit report or not,” the lawsuit says. “A judgment appearing on a credit report will be deleted within the reporting period allowed … whether or not a payment is made on the judgment.”