Lesa Leiter v. Amcol Systems, Inc.

Indianapolis, Minnesota, consumer law lawyer represented the Plaintiff on a Fair Debt Collection Act violation theory violation.

The Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. §§ 1692-1692p) is a federal law that prohibits third-party debt collectors from using abusive, unfair, or deceptive practices to collect personal, family, or household debts. It restricts communication times, prohibits harassment, and mandates validation of debts.

Key protections provided by the FDCPA include:

Prohibited Communication: Collectors cannot contact consumers before 8 a.m. or after 9 p.m., at unreasonable places, or at work if informed not to.

Cease Contact: A written request to stop communication must be honored.

Harassment Protection: Collectors are forbidden from using profane language, threats of violence, or calling repeatedly to harass.

Deceptive Practices: Collectors cannot falsely claim to be attorneys, misrepresent the amount owed, or threaten arrest.

Privacy: Collectors generally cannot discuss debts with third parties (e.g., family, neighbors).

Validation Rights: Consumers have the right to request written validation of the debt within five days of the initial contact.

The FDCPA applies specifically to third-party debt collectors and not usually to original creditors collecting their own debts. Violations allow consumers to sue in state or federal court.

Pursuant to Plaintiff's Motion to Dismiss with Prejudice filed by the Plaintiff in this cause, this cause is hereby dismissed with prejudice. Signed by District Judge Matthew P. Brookman on 2/6/2026. (BAA) (Entered: 02/06/2026)