Court Foils Attempt at Creating an FDCPA Violation by Sending C&D Request to Parent Company

On Friday of last week, the Northern District of Illinois foiled what appears to be an attempt by a consumer attorney to drum up a Fair Debt Collection Practices Act (FDCPA) violation by a debt collector. Garcia v. Miramed Revenue Grp., LLC, No. 18-cv-1384 (N.D. Ill. Aug. 16, 2019) is an example of the litigation dilemma faced by debt collectors as previously discussed on insideARM.


In this case, the plaintiff had a past-due medical debt that the service provider placed with Miramed Revenue Group (Miramed) for collection. Miramed sent a collection letter that contained phone numbers, an address where the plaintiff can send correspondence, and a link to a website where the plaintiff can make a payment. Notably, there was no email address or invitation to email communications on the letter.

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