In Chuway v. National Action Financial Services, where Chuway sued a debt collector for violating the Fair Debt Collection Practices Act by having unclear language in a collection letter, the appeals court held that the letter was "sufficiently clear" to an ordinary consumer, so there was no violation.

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In Chuway v. National Action Financial Services, the appeals court found that the language in the collection letter was confusing to an unsophisticated consumer, thus violating the Fair Debt Collection Practices Act.

In Chuway V