The opinion of the court was delivered by: Dora L. Irizarry, U.S. District Judge
Before the court is Plaintiffs' motion for judgment on the pleadings pursuant to Fed. R. Civ. P. 12(c) arising from allegations that Defendant violated the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 ("the FDCPA"). Plaintiff, Craig Arend, alleges that Defendant, Total Recovery Services, Inc, in attempting to collect Plaintiff's debt through various collection letters violated the FDCPA. For the following reasons, Plaintiff's motion for judgment on the pleadings is denied.
Plaintiff, Craig Arend, moves for judgment on the pleadings pursuant to Fed. R. Civ. P. 12(c) alleging violations of the FDCPA. Defendant, a collection agency, was engaged to collect Plaintiff's alleged consumer debt of $110.95 owed to creditor, Family Video, by mailing him three collection letters. (Miller Aff. at ¶ 3.) Plaintiff contends that language contained in two of the three collection letters violate multiple sections of the FDCPA. (Pl.'s Mem. at 1.)
The three letters sent to Plaintiff are dated July 19, 2004, August 23, 2004 and September 20, 2004, respectively. The first collection letter dated July 19, 2004 (the "First Letter") was sent to Plaintiff at his former address. (Def.'s Mem. in Opp'n at 2.) It is unclear whether this misaddressed letter was ever forwarded to Plaintiff's current address. If the First Letter was forwarded to Plaintiff's current address, it is unclear when Plaintiff received it.*fn1
Defendant sent Plaintiff a second collection letter dated August 23, 2004 (the "Second Letter"). (Miller Aff. Ex. B) Although Plaintiff does not dispute receipt of the Second Letter, Plaintiff does not indicate when he received the Second Letter. (Pl.'s Mem. at 2.) Defendant sent Plaintiff a third collection letter dated September 20, 2004 (the "Third Letter"). (Miller Aff. Ex. C.) Plaintiff does not dispute that he received the Third Letter.
On October 25, 2004, Plaintiff sent Defendant a letter demanding validation or verification of the alleged debt. (Miller Aff. Ex. D.) On November 22, 2004, Defendant sent Plaintiff a letter with a copy of an invoice from the actual creditor verifying the debt.*fn2 (Id. at ¶ 3.)
In January 2005, Defendant decided not to pursue the debt and so informed Plaintiff in a letter dated January 7, 2005. (Miller Aff. Ex. G.) Plaintiff nonetheless filed a complaint in this court on June 24, 2005. Defendant joined issue on August 15, 2005. Thereafter, the instant motion for judgment on the pleadings followed.
The standard to be applied to a motion for judgment on the pleadings brought under Fed. R. Civ. P. 12(c) is the same as a motion to dismiss under Rule 12(b)(6), unless the Court chooses to consider materials outside the four corners of the pleadings. Sheppard v. Beerman, 18 F.3d 147, 150 (2d Cir.), cert. denied, 513 U.S. 816, 115 S.Ct. 73, 130 L.Ed. 2d 28 (1994). Here, Plaintiff contends that the language in two of the Defendant's collection letters violates various sections of the FDCPA. Although the letters are not attached to Plaintiff's complaint, the letters are referred to in the pleadings, and, thus, incorporated by reference. See Horne v. King, 161 Fed. Appx. 122, 124 (2d Cir. 2005); Sira v. Morton, 380 F.3d 57, 66-67 (2d Cir. 2004). Although the First Letter is not expressly mentioned int the complaint, the document is also incorporated into the pleadings because it is integral to Plaintiff's ability to pursue a claim under the FDCPA. See Sira, 380 F.3dat 67. Thus, the standard in evaluating this motion is whether plaintiff is entitled to judgment as a matter of law. Burns Int'l Sec. Servs. v. Int'l Union, 47 F.3d 14, 16 (2d Cir. 1995). In addition, a non-moving party's well-pleaded facts and allegations are assumed to be true. Sciappa v. Brookhaven Sci. Assoc., 403 F. Supp. 2d 230, 234 (E.D.N.Y. 2005).
II. Alleged 15 U.S.C. § 1692g Violations
Plaintiff contends that the Second Letter violates § 1692g of the FDCPA because its language contradicted Plaintiff's right to dispute the alleged debt. (Pl.'s Mem. at 2.) Pursuant to § 1692g of the FDCPA, a debt collector must send the debtor a written notice of the alleged debt. 15 U.S.C. § 1692g (2006). Thereafter, a debtor has the right to demand validation of or dispute the alleged debt within thirty (30) days from the initial notice. 15 U.S.C. § 1692g(a). This thirty-day period, known as the validation period, begins to run upon the debtor's receipt of the initial notice. Id.; Goldman v. Cohen, 445 F.3d 152, 154 (2d Cir. 2006). A debt collector violates § 1692g of the FDCPA if it sends the debtor a subsequent collection letter within the validation period and such letter "overshadows or contradicts" the consumer's right to dispute the debt. Foti v. NCO Fin. Sys., Inc., 424 F. Supp. 2d 643, 660-61 (S.D.N.Y. 2006).
Here, Plaintiff contends that in stating, "[w]e do report to national credit reporting agencies. Send your PAYMENT IN FULL TODAY or contact our office," the Second Letter contradicts Plaintiff's right to dispute the debt. Specifically, Plaintiff contends that this statement can be interpreted to mean that plaintiff must pay the debt in full immediately or the debt will be reported to the credit bureaus, which is counter to plaintiff's right to dispute the debt. However, the court, at this juncture, is unable to determine whether the Second Letter contradicted Plaintiff's right to dispute the debt because Plaintiff failed to indicate in his complaint or motion papers when he received the First Letter, commencing the validation period.*fn3 Therefore, the court is unable to determine if the Second Letter was sent during the validation period. If the Second Letter was sent within the validation period, then an argument can be made that the Second Letter contradicts Plaintiff's right to dispute the debt. See Foti, 424 F. Supp. 2d. at 660-61. However, if the Second Letter was sent after the validation period expired, then the Second Letter does not contradict Plaintiff's right to dispute the debt ...