On November 1, 2017, a judge from the North District of Illinois ruled that adding collection costs to the balance of a debt did not violate the Federal Debt Collection Practices Act, 15 USC 1692 et seq. (FDCPA), if such costs were permitted as part of the underlying contract. The certified putative class action case is Bernal v. NRA Group, LLC (1:16-cv-01904, U.S.D.C., Northern District of Illinois).
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