In or around January 2017, Plaintiff received a collection letter from Defendant, ARA, Inc. After receiving this letter, Plaintiff placed a call to Defendant’s office. Plaintiff called Defendant at (888) 409-5060. This is one of Defendant’s telephone numbers. During the aforementioned conversation, Plaintiff spoke with one of Defendant’s male collectors who told Plaintiff that if she did not make a payment, they would take her to court. In or around January 2017, Plaintiff received a collection letter from Defendant attempting to collect on a debt allegedly owed to MasterCard. ARA is attempting to collect a debt on which the statute of limitations has expired. Nothing in the letter or during the aforementioned conversation between Plaintiff and ARA did Defendant’s collector disclose the date of the transaction, or that the debt was barred by the statute of limitations, in violation of the FDCPA.
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