Appeals Court Affirms Ruling Against Debt Buyer for Misleading Out-of-Stat Collection Letter

Yesterday the Court of Appeals for the Seventh Circuit affirmed a lower court ruling that Portfolio Recovery Associates, LLC (PRA) violated the Fair Debt Collection Practices Act (FDCPA) by sending a letter that could be deceptive and misleading to the least sophisticated consumer. The case is Pantoja v. Portfolio Recovery Associates, LLC., (Case No.15-1567, U.S. Court of Appeals, Seventh Circuit).

A copy of the opinion can be found here.

Background