Circuit Court Rules Dispute in Writing Not Needed to Sue Under FDCPA

The Fourth Circuit Court of Appeals recently upheld a lower court ruling that found a debt collection agency in violation of the FDCPA for continuing to call a debtor after the bill had been paid to the original creditor. The agency argued that it never received a dispute in writing after the debt was paid. Russell v. Absolute Collection Services was decided on August 15 by a three-judge panel in the 4th Circuit. The opinion is precedential. <more>