Portfolio Recovery Associates Faces FDCPA Class Action

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Portfolio Recovery Associates is facing a class action out of New York claiming the company sent collection letters with two conflicting deadlines as to when the first payment on the plaintiff’s debt must be paid. According to the complaint, one letter sent to the plaintiff said she must make her first payment on the amount owed no later than October 16, 2015, yet a second letter, which listed more favorable settlement payment options, sent a few months later for same debt said her first payment must be made no later than February 5, 2016. Both letters, the lawsuit claims, were deceptive and harassing to the plaintiff because the reportedly time-sensitive settlement options did not truly exist. “The only reason why the defendant made these statements,” the complaint reads, “was to pressure the plaintiff into paying promptly.”