Jennifer R. Mulry v Professional Recovery Systems, LLC
Debtor Sues Collection Agency for Trying to Make a "Limited Time Deal"
A class action lawsuit was filed in the Southern District Court of Indiana against Professional Recovery Systems, LLC, a Colorado-based collection agency, for violations of the Fair Debt Collection Practices Act (FDCPA) which prohibits debt collectors from engaging in abusive, deceptive and unfair collection practices. Class members seek damages, attorney's fees and costs of the litigation.
Specifically, the complaint alleges that PRS sent Jennifer Mulry an initial collection letter dated April 19, 2004 demanding payment for a $681 debt that she allegedly owed to Bally's. Two months later, PRS contacted her and offered to settle the account for ninety (90) percent of the balance and broke down the balance into three monthly payments. Another letter came one month later and offered the same 90 percent offer, but this offer was for a limited time only.
Mulry brings the suit as she alleges that PRS violated the FDCPA by not providing her with a statement of the amount of the debt within five (5) days of its initial communication. She also alleges that PRS's offers were not limited in duration and that this was only a tactic to have her pay the account.
