Court Rules Verification Docs Fulfill “Least Sophisticated Consumer” Standard

Last week a federal court in Michigan ruled that “verification documents” provided to a consumer by Portfolio Recovery Associates, LLC (PRA) met the Fair Debt Collection Practices Act (FDCPA) verification of debt requirements. The case is Cooper v. Portfolio Recovery Associates, LLC (Case No. 16-12969, U.S.D.C. Eastern District of Michigan, Southern Division). 

A copy of the court’s Memorandum and Order Granting Summary Judgment to PRA can be found here

Background 

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