Gregory Light v. LVNV Funding, LLC
The Eleventh Circuit held that a debt collector's failure to include the amount of post-charge-off interest and fees in the validation notice violates the FDCPA. This decision clarifies that the validation notice must itemize all components of the debt, including interest and fees that have accrued post-charge-off.
Aforeworn detected this change in the Debt Collection (FDCPA / State) space on July 7, 2026 and published this briefing so affected operators are forewarned rather than caught off guard. It is rated High urgency. Collection agencies, debt buyers, and collection law firms operating in the Eleventh Circuit (Alabama, Florida, Georgia) and potentially nationwide if other circuits adopt this reasoning. should confirm how it applies to their specific situation before acting. There is a time constraint attached: Immediately for new validation notices; existing notices should be reviewed and updated within 30 days to mitigate litigation risk.. Acting after that point can mean penalties, a lapsed licence, or lost eligibility — exactly the kind of surprise Aforeworn exists to prevent. Aforeworn monitors Debt Collection (FDCPA / State) continuously and turns every detected change into a plain-English briefing like this one, so you always know first. Forewarned is forearmed.
What changed
The court ruled that the FDCPA requires validation notices to include the specific amount of post-charge-off interest and fees, not just the total balance. This expands the disclosure requirements beyond the CFPB's Regulation F model form.
Who it affects
Collection agencies, debt buyers, and collection law firms operating in the Eleventh Circuit (Alabama, Florida, Georgia) and potentially nationwide if other circuits adopt this reasoning.
What you must do
Update validation notice templates to itemize post-charge-off interest and fees separately. Ensure all communications sent to consumers include this breakdown.
Deadline
Immediately for new validation notices; existing notices should be reviewed and updated within 30 days to mitigate litigation risk.
Source: https://www.courtlistener.com/opinion/10867980/gregory-light-v-lvnv-funding-llc/
Never miss a change like this again
Aforeworn watches Debt Collection (FDCPA / State) around the clock and alerts you the moment a rule moves — with a plain-English brief on what to do.
Start your free trial