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Consumer Protection – FDCPA – Collection Letter – Identification of Creditor

Where (1) defendant’s collection letter’s first line reads, “Re: GEORGIA EMERGENCY ASSOCIATES”; (2) the letter says the debt has been placed with defendant for collection and that plaintiff can send defendant a written request to be provided “the name and address of the original creditor, if different from the current creditor”; and (3) the only other entities identified in the letter are plaintiff and Georgia Emergency Associates, the court finds that the “least sophisticated consumer” could only reasonably interpret the letter to mean that Georgia Emergency Associates was the current creditor. No more is required by the Fair Debt Collection Practices Act.

The court grants defendant’s motion to dismiss.

Baker v. Lanier Collection Agency & Services Inc. (Lawyers Weekly No. 002-133-18, 8 pp.) (Donald Coggins Jr., J.) 0:17-cv-02364; Kenneth Edward Norsworthy Jr. and Yitzchak Zelman for plaintiff; Chad Vinson Echols for defendant. D.S.C.


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