O’Boyle v. Real Time Resolutions, Inc.
Dist. Ct. did not err in dismissing for failure to state cause of action plaintiff’s complaint under Fair Debt Collection Practices Act (FDCPA), where defendant-debt collector sent letter to plaintiff stating that important information regarding her account was on back page of first page of letter, but instead provided important 30-day validation of debt notice on front of second page. While plaintiff contended that letter violated FDCPA by misdirecting her into believing that validation notice was not important, Ct. found no violation of FDCPA, where validation notice appeared in clear, readily readable font near top of page two, such that unsophisticated consumer would be expected to read it. Moreover, while language of first page referred to important information on back of first page, such language would not impose barrier for consumer to read contents of second page. Ct. rejected plaintiff’s contention that initial collection letter lacking validation notice on first page must clearly and unambiguously direct consumer to location of validation notice.