ST. LOUIS — A Missouri woman has filed a class-action lawsuit against a debt collector, citing alleged misrepresentation in debt collection.

Theresa Garner filed the complaint on July 18 in the U.S. District Court for the Eastern District of Missouri against Fair Collections & Outsourcing Inc. alleging that the defendant violated the Fair Debt Collection Practices Act (FDCPA).

According to the complaint, the plaintiff alleges that she received a collection letter from the defendant on Feb. 9, 2017 relating alleged debt she owed to John I. Ziegenhein & Sons. The letter allegedly urged plaintiff to pay the debt through a purported limited time offer, but lacked proper disclosure that would leave the consumer without enough information to make a decision about the collection of the debt.

The plaintiff holds the defendant responsible for allegedly failing to disclose that she could not be sued over the debt or disclose the fact that a payment or promise to pay could restart some statutes of limitations and be used to collect debts.

The plaintiff requests a trial by jury and seeks judgment for actual and statutory damages, costs, reasonable attorneys' fees and grant such other or further relief in her favor as deemed just. She is represented by Nathan D. Sturycz of Sturycz Law Group in Edwardsville, Ill.

U.S. District Court for the Eastern District of Missouri case number 4:17-cv-01994

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