Collector - July 2017 - 43

IAP

debt that is not "expressly authorized by the
agreement creating the debt or permitted
by law" (i.e., a debt barred by the statute of
limitations).
The district court found that the laterenacted Bankruptcy Code effectively
repealed the conflicting provision under
the FDCPA and precluded consumers from
challenging the practice of filing time-barred
proofs of claim as a violation of the FDCPA
in a bankruptcy proceeding.
The Eleventh Circuit Court of Appeals
reversed the district court's decision.
Affirming its decision in Crawford v. LVNV
Funding, LLC, 758 F.3d 1254 (11th Cir.
2014), the Eleventh Circuit held that debt
collectors who file a bankruptcy proof of
claim on a debt barred by the statute of
limitations are subject to liability under the
FDCPA, even though applicable bankruptcy
rules permit such filing.
In addition to filing an amicus brief
on the merits with the Supreme Court in
the Johnson appeal, ACA also previously
submitted an amicus brief to the Eleventh
Circuit in Johnson to support the debt
collector's position in the case.
ACA has also provided amicus brief
support through its Industry Advancement
Program in a number of other federal
appellate court cases involving this same
issue, including: Crawford v. LVNV Funding,
LLC, 758 F.3d 1254 (11th Cir. 2014), cert
denied, 135 S.Ct. 1844, 191 L.Ed.2d 724
(2015), Johnson v. Midland Funding, LLC and
Brock v. Resurgent Capital Services, L.P., 823
F.3d 1334 (11th Cir. 2016), Nelson v. Midland
Credit Management, Inc., 823 F.3d 749 (8th
Cir 2016), and Martel v. LVNV Funding, LLC,
No. 16-1653 (1st Cir., filed Dec. 4, 2015).
"The credit-and-collection industry has
relied on a long and consistent series of
judicial opinions, going back at least to
the 1990s, under which a debt collector
or a debt buyer can participate in the
bankruptcy process without running
afoul of the Fair Debt Collection Practices
Act," Morris told Bloomberg BNA and
Law360. "Three years ago, the Eleventh
Circuit's holding in Crawford v. LVNV
Funding, LLC, called that longstanding and

COLLECTOR 07.17

consistent interpretation into question,
with results that have confused the creditand-collection industry, have created an
unnecessary conflict between two federal
statutes and among the circuit courts of
appeals, frustrated the Bankruptcy Code's
purpose of giving debtors a fresh start, and
unfairly imposed liability on debt collectors.
ACA International is pleased that the
Supreme Court has corrected the Eleventh
Circuit's frustrating and confusing error,
and has restored the status quo ante that
had worked successfully for decades."
Justice Sonia Sotomayor, joined by
Justices Ruth Bader Ginsburg and Elena
Kagan, filed a dissenting opinion. Newly
confirmed Justice Neil Gorsuch did not

participate in the decision because he was
not on the high court bench at the time of
oral arguments in January.
ACA's efforts to proactively support the
credit and collection industry are part of
the association's Industry Advancement
Program, and are made possible by funding
through ACA's Industry Advancement Fund. 
If you want to read more about the
most recent significant judicial decisions
involving the credit and collection industry,
ACA members can always find concise case
summaries at www.acainternational.org/
industry-advancement-program.
Karen Scheibe Eliason is ACA International's
corporate counsel.

43


http://www.acainternational.org/industry-advancement-program http://www.acainternational.org/industry-advancement-program http://www.webrecon.com

Table of Contents for the Digital Edition of Collector - July 2017

Upfront
Industry News
Best Practices
FYI
Collection Tips
What’s in Your Policy?
State Licensing Laws: What’s New and Trending
The Question of Rule 68
Calendar
Honor Roll
Healthcare Data at Risk
ACA Members Meet in D.C. to Advocate on Behalf of Industry
Fixing What’s Broken
Credit Listening Considerations
U.S. Supreme Court Hands Collection Industry a Win in ACA-Supported Case
Compliance
ACA SearchPoint
Last Word
Collector - July 2017 - Cover1
Collector - July 2017 - Cover2
Collector - July 2017 - 1
Collector - July 2017 - 2
Collector - July 2017 - Upfront
Collector - July 2017 - Industry News
Collector - July 2017 - 5
Collector - July 2017 - 6
Collector - July 2017 - 7
Collector - July 2017 - Best Practices
Collector - July 2017 - 9
Collector - July 2017 - FYI
Collector - July 2017 - 11
Collector - July 2017 - Collection Tips
Collector - July 2017 - 13
Collector - July 2017 - What’s in Your Policy?
Collector - July 2017 - 15
Collector - July 2017 - 16
Collector - July 2017 - 17
Collector - July 2017 - 18
Collector - July 2017 - 19
Collector - July 2017 - State Licensing Laws: What’s New and Trending
Collector - July 2017 - 21
Collector - July 2017 - 22
Collector - July 2017 - 23
Collector - July 2017 - The Question of Rule 68
Collector - July 2017 - 25
Collector - July 2017 - 26
Collector - July 2017 - 27
Collector - July 2017 - Calendar
Collector - July 2017 - Honor Roll
Collector - July 2017 - Healthcare Data at Risk
Collector - July 2017 - 31
Collector - July 2017 - ACA Members Meet in D.C. to Advocate on Behalf of Industry
Collector - July 2017 - 33
Collector - July 2017 - 34
Collector - July 2017 - 35
Collector - July 2017 - Fixing What’s Broken
Collector - July 2017 - 37
Collector - July 2017 - 38
Collector - July 2017 - 39
Collector - July 2017 - Credit Listening Considerations
Collector - July 2017 - 41
Collector - July 2017 - U.S. Supreme Court Hands Collection Industry a Win in ACA-Supported Case
Collector - July 2017 - 43
Collector - July 2017 - Compliance
Collector - July 2017 - 45
Collector - July 2017 - ACA SearchPoint
Collector - July 2017 - 47
Collector - July 2017 - Last Word
Collector - July 2017 - Cover3
Collector - July 2017 - Cover4
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