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

Exercise 18

Goswami failed to pay her $900 credit card bill. A collection agency, ACEI, mailed her a collection letter with a blue bar across the envelope saying "Priority Letter." The letter did not, in fact, constitute priority mail. The purpose of the bar was to encourage Goswami to open the envelope. Was the bar a deceptive practice in violation of the Fair Debt Collection Practices Act Explain. See Goswami v. American Collections Enterprise, Inc. , 377 F.3d 488 (5th Cir. 2004); cert. den. 2005 U.S. LEXIS 5511.