Debtors allegedly misled into believing they could mount challenges by phone rather than in writing can proceed with a federal court class action against the collection agency.
The U.S. Court of Appeals for the Third Circuit reinstated the suit on March 1, reversing a judge who found the invitation to call or write, in the context of the entire collection letter, would not confuse the least sophisticated debtor and did not overshadow language advising that a challenge must be in writing.
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