Federal Court Holds 30-Day Validation Notice Language Violates FDCPA


A federal district court in Pennsylvania recently granted summary judgment to a debtor in a lawsuit filed against a collection law firm under the Fair Debt Collection Practices Act (FDCPA). Specifically, the debtor alleged that the validation notice contained within the firm’s collection letter violated the FDCPA in two ways: first, in stating that the collection firm must “hear from” the debtor within 30 days to dispute the underlying debt; and also in demanding that the collection firm must “receive” the debtor’s dispute within 30 days. The District Court for the Eastern District of Pennsylvania agreed with the debtor on both issues.