Just yesterday, insideARM published an open letter to the Consumer Financial Protection Bureau (CFPB) regarding a legal issue that has percolated over the past year or so in the Eastern District of Pennsylvania and the District of New Jersey. Decisions from these courts are doing two things: (1) finding that a validation notice that tracks the statutory language of the Fair Debt Collection Practices Act (FDCPA) might very well violate the FDCPA, and (2) reading an "in writing" requirement into subsection (a)(3) where none exists.
The Eastern District of Pennsylvania recently released yet another decision on the issue in the case of Henry v. Radius Global Solutions, LLC, No. 18-cv-4945 (E.D. Pa. Jan. 18, 2019).
Factual and Procedural Background
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