On January 31, 2018, a District Court judge in New Jersey decided that including a toll free number on an initial collection letter does not violate the FDCPA. In Riccio v. Sentry Credit, Inc. et al, 2018 WL 638748 (D.N.J. Jan. 31, 2018), the court rejected this argument by granting Sentry Credit’s motion for judgment on the pleadings, which is a ruling on the merits of the claim based solely on the pleadings.
You can download the full text of the Opinion here.
Sentry Credit sent an initial collection letter to plaintiff Maureen Riccio. The letter contained the required 1692g notice, which instructs the consumer to submit any disputes to the debt collector in writing.