Michigan resident alleges debt collectors sent letter with confusing payment option

By Noddy A. Fernandez | Nov 27, 2018

DETROIT (Legal Newsline) – A Michigan resident alleges two debt collectors made an unfair offer when it attempted to collect 2 cents more than the amount of an offer.

Natasha Jones-Bell, individually and on behalf of all others similarly situated, filed a complaint on Nov. 20 in the U.S. District Court for the Eastern District of Michigan, Southern Division against Dynamic Recovery Solutions LLC, CF Medical LLC and John Does 1-25 over alleged violation of the Fair Debt Collections Practices Act.

According to the complaint, the CF Medical purchased the plaintiff's alleged debt and contracted Dynamic to send the plaintiff a collection letter in December 2017. She alleges the letter gave three options to pay the alleged debt but the third option is confusing.

"Option three offers plaintiff resolution of the account for $282.10, payable in four payments of $70.53 each," the suit states. "The sum of the four required payments results in a total amount paid of $282.12. However, this amount is higher than the amount offered in settlement option three."

The plaintiff holds Dynamic Recovery Solutions LLC, CF Medical LLC and John Does 1-25 responsible because the defendants allegedly "made unfair offers and misrepresentations when they offered plaintiff and the class a settlement offer the terms of which attempted to collect more than the amount of the offer," the suit states.

The plaintiff requests a trial by jury and seeks judgment for statutory and actual damages, costs of action, pre- and post-judgment interest and such other and further relief as the court may deem just and proper. She is represented by Yaakov Saks of Stein Saks PLLC in Hackensack, New Jersey.

U.S. District Court for the Eastern District of Michigan, Southern Division case number 2:18-cv-13634-TGB-EAS

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Stein Saks PLLC U.S. District Court for the Eastern District of Michigan

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