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3rd Cir. Holds No FDCPA Violation When Non-Interest-Bearing Debt Itemized ‘$0.00’ for Interest Published on: 21 April 2021 at 09:00 a.m. ET April 21, 2021, 9 a.m. April 21, 2021, 9:46 a.m. insideARM.com The iA Institute and is republished here with permission. The U.S. Court of Appeals for the Third Circuit recently affirmed the dismissal of a class action complaint alleging that a collection letter’s itemization of a debt as including “$0.00” in interest and fees when the debt could not accrue interest or fees violated the federal Fair Debt Collection Practices Act. In so ruling, the Third Circuit concluded that the inclusion of line items listing $0.00 in the form letter’s interest and fees columns did not mislead the consumer to believe that he may owe interest or fees in the future in violation of the FDCPA’s prohibition on deceptive (§ 1692e) and unfair or unconscionable (§ 1692f) means of ....