Kleinman v. Forster & Garbus: Validation Letter Stating Lawsuit Will Not Commence Until After Validation Period Expires, Does Not Violate FDCPA


A consumer claimed a debt collection letter overshadowed the validation period because it could be interpreted as threatening imminent litigation. He also claimed the letter contained contradictory information as well as an intimidating letterhead that overshadowed the validation period. The debt collector moved for judgment on the pleadings. […]

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Sandoval v. Credit Corp Solutions: Debt Collector Adequately Verified Debt


The consumer in this case received two validation letters from a debt collector and one from a collection attorney. The consumer disputed his debt and requested documents related to his loan including the signed copy of the credit application. The debt collector provided documentation about the validity of his loan but did not provide a signed copy of the credit application. The consumer claimed that debt collectors used deception and unfair or unconscionable means to collect a debt in violation of the Fair Debt Collection Practices Act. […]

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