Vital Recovery Services Facing Class Action Over Collection Letter Sent to Consumer

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Vital Recovery Services, LLC is the defendant in proposed class action in which a consumer claims the debt collector sent her a letter directly after she explicitly instructed the company to communicate only with her lawyers.

The case’s timeline begins in March 2018, when the defendant supposedly sent an initial collection notice to the New York consumer. The following April, the suit continues, the plaintiff responded by mailing a letter requesting verification of the debt and instructing the company to send any future correspondence to her attorneys. Nevertheless, the debt collector allegedly disregarded these instructions and sent another letter to the plaintiff in November 2018.

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from contacting a consumer if the entity is aware that the individual has legal representation, the suit explains. The plaintiff charges that the defendant overstepped federal law by sending the November 2018 letter despite having her attorneys’ contact information.