Defeat Claims That Your Envelopes Violate the FDCPA

The Third Circuit Court of Appeals ruled recently in Douglass v. Convergent that a debt collector’s envelope, which disclosed a collection agency account number through the window in the envelope, raised privacy concerns and violated the FDCPA. The Court in Douglass held that the collection agency account number — visible through the window on the envelope presumably for return mail sorting purposes — was “a piece of information capable of identifying Douglass as a debtor.” <more>