FDCPA Allows Oral Challenges To Debts, 4th Circ. Says

Law360, Chicago (January 31, 2014, 8:04 PM EST) -- The Fourth Circuit on Friday revived a proposed class action accusing a debt collector of violating the Fair Debt Collection Practices Act, ruling that the FDCPA allows consumers to challenge their alleged debts orally, rather than only in writing.

In a per curiam opinion, the appeals court found that there is no “inherent writing requirement” for consumers to dispute the validity of a debt under the FDCPA, contrary to the argument put forth by defendant Absolute Collection Service Inc. and accepted by the district court....
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