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Charleston Personal Injury Lawyers

Consumer Right to Dispute Debt Orally Upheld

United States Court of Appeals for the Fourth Circuit Seal
Recently, the Fourth Circuit Court of Appeals held that consumers can dispute the validity of a debt orally because the Fair Debt Collection Practices Act does not impose a writing requirement.
In the case of Clark v. Absolute Collection Service, Inc., the Court held that a third party debt collector’s notice related to an attempt to collect a debt did not properly state the law because it attempted to impose a requirement on the Clark’s to dispute the debt in writing. Consumers have various rights to be free from unfair or improper methods of debt collection and this decision affirms those rights.