Collection Letters Must Clearly Convey Validation Notice

Law360, New York (March 11, 2013, 12:48 PM EDT) -- Recently, in Caprio v. Healthcare Revenue Recovery Group LLC[1], the Third Circuit clarified the law on validation notices required under the Fair Debt Collection Practices Act (FDCPA), emphasizing that debt collectors must not only adhere to technical statutory requirements, but they must also effectively convey such notice to unsophisticated consumers.

The court found in Caprio that, despite the debt collector’s inclusion of the statutorily required validation notice language on the back of its collection letter, such notice was not effectively conveyed to the consumer because the...
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