Phoenix Financial Services Accused of Limiting Consumers’ Rights to Dispute Debts

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Phoenix Financial Services, LLC is facing claims that it violated the Fair Debt Collection Practices Act (FDCPA) by falsely implying to consumers that disputes they have regarding their alleged debts must be submitted in writing. According to the complaint, the collection letters sent by the defendant included a physical address and urged recipients to “please sent payments and correspondence to” the address. This language implies that consumers must send disputes in writing instead of communicating them orally, the suit claims. The defendant’s demand for written disputes allegedly violates the FDCPA, which the complaint says imposes no such requirement on consumers.