Advanced Debt Collection, Inc./CSL Community Association, Inc.

Indiana Consumer Law Group/The Law Office of Robert E. Duff has recently filed an FDCPA lawsuit against Advanced Debt Collection, Inc. Advanced Debt Collection, Inc. was collecting a debt that was allegedly originally incurred to CSL Community Association, Inc., a homeowner’s association. Advanced Debt Collection, Inc. sent our client a letter a collection letter. To see a copy of the letter click here.

The letter does not identify to whom the debt is allegedly presently owed. The letter states that Advanced Debt Collection, Inc. has been hired by CSL Community Association, Inc. to collect an unpaid balance. If true, this means the debt is owed to CSL Community Association, Inc. However, the letter also states that Advanced Debt Collection, Inc. is now the creditor. These statements cannot both be true.

The FDCPA requires that the initial collection letter to a consumer state “the name of the creditor to whom the debt is owed.” The FDCPA also states that a debt collector cannot use a false or misleading representation in connection with the collection of any debt. We believe, and have alleged in the above-referenced lawsuit, that this letter therefore violates the FDCPA.

If you have received an identical or similar letter, please contact the Indiana Consumer Law Group/The Law Office of Robert E. Duff. You may have an FDCPA claim against Advanced Debt Collection, Inc.