Law, Business, and Society 9th Edition by Tony McAdams

Exercise 11

Miller owed $2,501.61 to the Star Bank of Cincinnati. Payco attempted to collect the debt by sending a one-page collection form to Miller. The front side of the form included, among other words, in very large capital letters a demand for IMMEDIATE FULL PAYMENT, the words PHONE US TODAY, and the word NOW in white letters nearly two inches tall against a red background. At the bottom of the page in the smallest print on the form was the message: NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION. The reverse side contained the validation notice required under the FDCPA. Does the form conform to FDCPA requirements Explain. See Miller v. Payco-General American Credits, Inc. , 943 F. 2d 482 (4th Cir. 1991).