I have been traveling out of town for the last two weeks for work and returned home last Friday to find a POSTCARD in my mail that had been collected for me by my neighbor with information about a class action lawsuit for Midland Credit Management. I was absolutely mortified! I do n’t even owe Midland any money ( debt was paid last year ) and they do this? This is absolutely horrible.How embarrassing that my neighbor saw this!
I know that the FDCPA prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 1692f. Further, Section 1692f ( 8 ) specifically limits the language that debt collectors may place on envelopes sent to consumers : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This postcard I received identified me as part of a class action settlement against a debt collection agency. Specifically MIDLAND CREDIT MANAGEMENT! How did this happen?
I can not even tell you how much this has distressed me being publicly humiliated like this. I am certain this will probably lead to ANOTHER lawsuit if it has n’t already.