Wrong Day: Debt Collector Implies False Deadline, Suit Says

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An Alabama woman has filed suit against Credit Bureau of Bessemer, Inc., alleging that the defendant’s collection letter failed to comply with the Fair Debt Collection Practices Act. The letter allegedly contained the following statement: “Failure to pay the balance in full within 30 days may result in the account being reported as unpaid bad debt on your credit file for up to seven years.” The suit argues that the consumer has the right to dispute the debt within 30 days of the receipt of the letter. According to the complaint, Credit Bureau of Bessemer failed to clearly disclose the plaintiff’s rights “specifically by indicating that [the plaintiff] had to pay her debt within thirty days of the date of the letter in order to avoid credit reporting, rather than within receipt of the letter.”