Court Rules “Reply-by” Date Falling Outside 30-day Validation Notice Not a FDCPA Violation

Last week a federal court in Missouri ruled that a letter which contained a “reply-by” date that was outside the 30-day validation notice window was not a Fair Debt Collection Practices Act (FDCPA) violation. The case is Koller v. Midland Credit Management, Inc. (Case No. 4:17-cv-00430, U.S.D.C., Western District of Missouri, Western Division). 

A copy of the court’s Order granting Defendant’s motion to dismiss can be found here.

Background