March 30, 2017 / 9:56 PM / 3 years ago

7th Circuit finds Portfolio Recovery collection letter deceptive

Portfolio Recovery Associates, one of the country’s largest debt collectors, used deliberate ambiguity in a collection letter to try to get an Illinois consumer to pay on legally unenforceable debt, a federal appeals court ruled.

In a decision on Wednesday, a three-judge panel of the 7th U.S. Circuit Court of Appeals affirmed a lower court’s ruling that Portfolio Recovery violated the Fair Debt Collection Practices Act by trying to collect on debt without telling the consumer that it was time-barred.

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