ST. LOUIS — A St. Louis resident is suing Specified Credit Association 1 Inc. d/b/a Specified Credit Association, Inc. and Does 1-4, citing alleged violation of the Fair Debt Collection Practices Act (FDCPA).

Ebony Smith filed a complaint Feb. 1 in the U.S. District Court for the Eastern District of Missouri against the defendants, alleging that they violated FDCPA through abusive, deceptive and unfair debt collection practices.

According to the complaint, Smith alleges that on Jan. 10, she suffered damages, including humiliation, anger, anxiety, emotional distress, fear, frustration and embarrassment from receiving a collection letter from the defendant. The company had not sent prior communications to Smith and did not provide adequate information regarding the debt. Smith holds Specified Credit Association 1 d/b/a Specified Credit Association and Does 1-4 responsible because the defendants allegedly failed to identify the name of the creditor to whom the alleged debt was owed and failed to inform Smith that she had 30 days from the day she received the letter to dispute the debt and obtain validation and verification.

Smith requests a trial by jury and seeks judgment against defendant, statutory and actual damages, interest, costs, attorneys’ fees and further relief as the court deems just. She is represented by Nathan D. Sturycz of Nathan D. Sturycz Law Firm in Edwardsville.

U.S. District Court for the Eastern District of Missouri Case number 17-cv-00382

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U.S. District Court for the Eastern District of Missouri
111 S 10th St
St. Louis, MO - 63102

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