Portfolio Recovery Associates Accused of Denying Consumer’s Debt Dispute Rights

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Portfolio Recovery Associates, LLC is on the receiving end of a proposed class action lawsuit that claims it violated the Fair Debt Collection Practices Act (FDCPA) by implying in a collection letter that consumer debt disputes must be submitted in writing. The letter allegedly contained a “DISPUTES CORRESPONDENCE ADDRESS,” which provided a physical address to which the plaintiff could mail disputes. The suit argues that the address would mislead the unsophisticated consumer into thinking he or she may only submit disputes in writing rather than over the phone as provided by the FDCPA.