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b
d
(Ju iew doc lied b nflic cuits over ction nds te, O " Co lists an- ld m e cas cede nter acti llec he d ., 225 f un v. Pr 692 e de CPA who cons tes. ispu [c]om ts, su in w to cr cont tact s, an in w ction efore if th 5)
o
u
i
1
i
v
r
e
.
g
o
t
"
a
y
,
n
t
r
o
a
"
m
h
e
e
(
o
u
u
e
o
b
b
l
d
c
r
where
things
started.
Here,
we
have
to
go
back
to
1991,
p
of
light:
TikTok
dances,
phishing
scams
and
social
re nar app e c r ci por dir gro mp sive xtu st- wo d t pr ing ret as r if or vel sen te § f sta (FD r t the disp ny
m de t b ent )(5) r co din st b h D g" tion (a)
tio ning te th othe sup ame her onte nclu all te gal la ano oore rsey troll m a Just ecto ed C ic le e Jen iola on o 92p edito inst oral or a rs fro such mus n int d (a s fo plea , mu nglis ritin ifica )(4), ong
l
i
e
a
t
,
s
a
v
.
when
the
3rd
Circuit's
decision
in
Graziano
v.
Harrison
,
n
s
distancing
directives,
to
name
a
few.
But
that's
not
so min n of ctor he s n o ., C s co e're e "le raz unm ew J con fro law col ram ba . Se not esti -16 e cr t ag its ebt ecto t to tive ess a ) an ptio the ctive rd E in w ] ver e (a at C r
t d o e.g d a 'w th
G ve
he rm the the uad ing a ation did a qu 1692 of th en erm he d coll spec ffec ngr a)(4 le o t on effe xfo ctor ing nlik d th arbu
eli sitio ee faoften
ewith
e case
a
s
ng matters.
is NWitnessing
m psplitt on the writing
(
created the circuit
requirement
a ochange of
[
e
s t ha
e
e,
t in the
n for
d, judicial
u
po l thr poin ersed s. Se egard state de u citati es "h ent ay "i d of ge in ees t n v. Q sum min edit ents . §§ ame judg )(3) n of iting th re be to Co ions ultip gme to be te, O colle tain but sum so M deb
l
u bt
a
i , to te
b - re
t
e exa Cr res S.C e n f a
e
t
a tio
y e r ly
m odand
n 's f occurrence.
s tuis aurare
b
d
p
n
,
o
r
m
p
o
(
i
c
a
a
w
e
a
s
Al ons ,heart
u
m
u
s
u
)
p
.
g
s
e
l
t
disputes
under
the
FDCPA.
j
h
.
i
from
a
circuit
court
amazing
s it y b nt dy res sta arg g t le
h ey
e . . )(3 ly p see a ve th if e
r ute ibu bs ith r pu D
i
e tr y o p U
c
o
h
2
o
c
r
d
t
d
o
i
e
r
9
)
l
y
t
e
t
u r w d fo dis .g., the til (a ral ."); ro . So
a 89 hat aril rec rea st, ret at din d ru our orn ee W s an nts en als 15 (2) op 16 col ) (p lec isp ttr
s
g ne nt o p ly
,
l
e
9
l
t
n
S
a
l
h
c
a
t
a
o
l
s
d
e
;
§
e
t
t
p
S
]
t
2
I
t
d
8
r
e
n
r
e
y
1
k
o
t
,
a
o
w
u
e
,
n
o
v
c
r
i
a
a
t
i
(
In
that
case,
the
consumer
received
a
collection
letter
For
instance,
the
3rd
Circuit
has
long
been
the
only
r
.
( n rd ga as
to , l
e
ar id y?
n
as 2e
eb o an ee f[y . .
69 ge da e t ate An
A
eb r
te or r h n ese d
tc ta
ts en
tha st o e Ka at h y co e in ort f . Ou on a for awar men nabl no w ice d lidit tices the d ebt o heth all ce 169 deb e tha ason a)(3) g a d re m hat " n. S noti ion . e § 1 it is dun hav edi lly. St
a
o
t
B
o
a
u
e
t
o
,
w
h
y
d
e
k
]
a
e
m
c
p
r
w
i
n
y
t
(
e
f
o
d
c
e
r
§
t
h
t
r
t
i
i
from
a
debt
collection
attorney
that
stated,
"See
reverse
side
federal
circuit
court
to
require
all
consumers'
disputes
.
m usti n
an qui o r on idi ere ires icat [to llec . L Ac er
ay sup rul anc ng ven uir eas raz s no t's v Pra t of he or r s ee
all im t o nite 3
es
s J etatio resid the w nly rent reli faili nd e ) req of r in G ll thi deb ion oun of t ting, lecto te. S nt to to re see n secti prov It th equ un mer e co CPA ame geth ventu idity deb es U 59 (
l or , a Practices
l pu
r rights!"
t am ion rfor
m su The
a in
e d regarding
s statement
your
legal
o Debt
under
Fair
.
a ent d Acta to tebe
i cinformation
s lto , e val te a us 5, 2 v.
e uCollection
y
b
e
a
t
c
(
o
D
a
)
n
r
b
pr btor the
ff
m
u
e
m
e
i
e
g
n
f
s
)
3
F
n
a
e
's
i
e
a
l
s . H a d act ok )(1 92 oti nc hat pu ol the cat in w ebt
di pay e re ts. W at 's )(3) eme (a)( f co e co o "c the f th rds ugh its ispu also 25 . Re
de ange But
f ho (ain March
16 qu 2020,
don the
)
f a back
g the
f thato unless
bof the
ou e t when
o ho ve d
t C 13rd
ochanged
h
rifi e
le
dis the
th (ainformed
writing.
ir
w
or letter
3d L
st
o
s o consumer
im that
ch r cla follo ims' the 692k the § ing a t ann sinc ally Deb de: ( in ve s to b r, the fact o sing ust n eff ded 92g requ 1692 orm es "t ctor ety o ction e w ill, t t pro r to icci 27 F. arv. y Au
r
6 at
f uir lle tir se som t w us bto 2 R , 7
r lu
n § 1 ey
s nd
y 3) m tiothecludebt
a ute ito he he ndisputed
H alle n
§
i
v
o
1
t
e
o
r
he urts ']an
a
cla en
h
t
6
d
o
b
c
in
writing
within
30
days,
the
debt
Circuit-in
banc
opinion-struck
down
its
previous
§ th
I
a
e
c
q c
o
t
F n
e
v
n
a
t
s
(
to
d
e
1
m
en er
se "
o
p
A
V
s,
ot
co rties ill b tion con pre btor ose. tors the ust i will l dis l cre ting akes n (a) colle ly co lated ith clud es b 4) re ing the oth nder ebt. ctor ts a d .2 Bu oren ne, 1 nn. ute c e
l
w a
a
o
b
ly by de chwhich
in m
al vio g wvalid.
an rethat,
lig ider n him
e dupon
a)( informed
on pIt
ruling in
long
pa Graziano
lle rmi )(3) v. M ctri e Te disp fore
ass also
cassumed
or imposed
tio debtbe
b
(
e a igin ut n nd m ewould
h
s ed ss
de arshad
c
ay viol ligibv. cHarrison,
t
"
o
n
h
,
c
fi
t
r
o
i
e
t
c
i
r
i
d
c
e
s
i
e
c
a
e
o
to vial tel oti icat gre llow ppe otic olle equ e or itho ts a ubs nue pec lette ply usly com . Bu (5), con ts it whi llect the g p 2g( tates y D ty. S oral here dis
i
t
n isthat
a
t
in 69 S
it di
ty a ddispute,
n dispute
ti e s e written
the 3rd Circuit's
debteb , s receiving
gdebt
al
t c t r of
n
on"a consumer's
en iof
th a w
)a
g,
om vionotice
co collection
tri st in oview
so mthe
u cti n oph ge C (a)(3 hich tion e deb mus ss of cies ple d 692g o con n, w ng th as c t pre airly valid 4) an st al ut o adin s to ritin mean o § 1 ited bsurd bsur .3 A s and ng or t w
a th
n A
e the
d te tti
r ur provide
t
i
(
o
t
a 2g e the
n
i
w liddebt
e st s to uprevent
f
n
a
b
t
r
u
1
e
r
t
f
w
l
)
e
s
o
e
p
e
g
n
l
n
e
U
l
r
i
t
a
attorney
would
verification
of
debt.
e
must be in mwriting
collector
from
i
co "lea lang 169 uag "va ted, lett add it ag mu tion itted arr alle s let Co word ion o es ( e m atut id a ttem bt in plai ent ting The to an eth ispu rmi abs ten
m n d pe an ver
g a pu the nd ed
t ho ). W st avo e a de
's em uo g, ts
es sec rm v. H d,1 d it this he
)
e
p
he .C. § of
r
w
anthe
3
t
c
a
d
h
n
t
d
3
e
e
s
n
d
l
e
a
l
t
f
r
u
The
consumer
filed
a
complaint
alleging
several
q
(
presuming theal ovalidity
debt[.]"
c
n .S om alle s di ther me to er o re o e p iano su iewe l of lly, esum en e 198 of wil tin the (a) qui 8) ( nni ou on t ritt tha "rea ina ferre
o
e
U fr n c f, i he na bts um tu d b az
a pr th 3 ( ion urt con tes 92g re 01 Ma am ng e w ed to ess
re
l
cci y v pan ener ryof
u
r
s fte reo sraises
c
15 seabout-face
w he several
oandn seeking
This unexpected
b) FDCPA
e p c., 7
, 2 ec t
gr
de ns questions,
ing r. 2 F. t it di ov rg ed
(the
spu 16 compensatory
ru ou G Ri an violations
ari ter, o the ted i sts t uted y co re st d w ("In . A. omp ted, a ed g atuto tion .S. 16 ne s ]he C or ca r di t: § writ d Ci John e tha epen to pr sel a efus Con . is th ., In y
x
n )
t bto as
o
c
o . Us estatutory
ti
st sec 4 Udamages
ho n a 2 (3 ngfees.
ue isp If anreverse
on sen3rd
bl ts d sier oun rt r ght k . . Serv ); Sa
most notably: Whyletdid
in ("[T las
lec well
e
l. E he s n nand
en or aits13own
ps attorney's
i
r
eq Circuit
rti the
u
e
d ("
u
na The
c
b
he dit . 20 mp t t I A tte ut th . Su es, 46 uage 95) e co the d e u eho 7, 15 quot easo righ is ea io's e Co tho thin tion 2018 mis
po pr r r g
)
o
s
9
h
b
(
Th
t
g
4
r
f
t
most
relevant
to
this
discussion
involves
established case law? tion sume portin 1692hiven t al cre d Cir : 8 Co no, bu20). I or wri o rcomplaint
1
e ed ta an
h
u e, it Ricc em f we ght llec ir. ple 7
i
1
"
n
(
*
,
s
.
o
t
t
y
i
u
i
S
i
l
d
a
*
l
d
C m
r
4
i
o
r
n
3
co m re ee § at, g rigin 48 ( tion razia ir. 20 oral der t is ad ited ular 1, 57 oral d th ct. * ion t 2 F.3 ded' lt so g va g els ent, Sup ven e m te Co (7th a si U.S.
t antheffedebt
Reviewing the reasoning
s the
e . E at w lu .6
1 ficapanel's
nallegation
c 56 ebthat
o Circuit
t collector's
u dispute
n hin notice
r
0
m
th 3rd
n
G
to 72 ore
i
C
i
g
a
,
s
h
p
9
t
o
s. S the
e
fro btof
u
U
e
t
e
e
n
n
h
o
2
e
t
w th 14 oti k. 9 (3d fyi
in mp lo v. par U.S. e d dem nt e exce nc., 'in a r ssig not l arg ere, her wh Abs 47 n enc ty., 5 y 'm
i
"
de e vie ysplit
2 62Circuit
h
e
t
s
I
of .3dandg nthe693rd
e
r
e
f
c
e
r
)
l
a
a
t
t
3
t
ll
.
o
I
e
(
.
b
contravened
the
FDCPA
by
requiring
the
consumer
to
d
decision that created the circuit
en
v
l
e
o
e
nt
r
e
b
3
"th ntit 09 F win § 1 60, 1 t sp e de tor." uss clud ., 51 utes nd ( epen resu Rest t ha dicta hile urd. at o er. Th So to ide f ark v 337, diff n Cm usua cede
u th di ." R in
o st
p ) a nd rd- on
w bs ly, att 8.
v Cl 3d this dia is
o iall
lo See Inc.
n
e
1 will
o
s
l
n
de , 7 Credit,
r
o
s
f
C
e
h
o
s
t
a
r
d
t
make
disputes
in
writing.
According
to
Graziano,
this
banc's reasoning in Riccio v. iSentry
explain
.
d
p le i
u b
i
d (4
3
f
r
i
e
s
n
o
u
C
m
.
ld
it
3
F
p
e
si
ch
LL the fting 48 F. s," w dity ent c n ea ngre lloyd erely t (a) s no s abs Man cou ext m e de ardly elat the . at 5 d to o. Se 889 cribe ills I all, " t the nt ro en
t Section
(
i many
a
r g i Co . A violated
s
R
a
i
e
imind
s
,
d
l
r
t
e
u
n
h
e
9
n
l
s
u
r
M
I
)
t
e
a
h
h
e
h
a
h
r
t
a
m
subsection
15
U.S.C.
1692g(a)(3).
The
how and why the court changed
after
so
4
,
ing its
e 07
v cu in e
v
e pu
ft f 't
re he isp t's e.
. B ) g t on
r
LC to ay
-s
et e." s, a zi
fee odg "dis ] the the ean ]her fson ebto road (a)(3 usin v. St ong ay, t to d . Tha pos uld s com rror Gra cs., L me v. B 09. A elie a diff r. 20 38 (5
i 7. granted
h soissue
s ing pur judgment
n 24 he b lay
o out g eonitthis
years of being an outlier.
n iescourt
t C tod odsummary
su in
C
o
a
v. H ly to ute[ from e m "[W usta the d thedistrict
e
h
a
e
s
g
s
r
t
co
C
n
t
d
h
h
w
t
i
r
p
g
i
i
13
on "disp ent e sam )(3). ee G et if own (b), t cio t Ins. ues t anin meth wr Act's stee arsh raft ting ery A not p ich Ct. a ove rt, " 10 (2 3, 1 is to i
n
r
u
l
1
S
d
.
t
to iffe as th 2g(a ge. d. Y int d and . Ric pass l va me iple is i s the s Tr o a h its spli ecov uld ing M 5 S d ab r cou 6, 3 11 nce, rst t
if d ns h 169 lusa spon e po )(4) 89)) com ocia plain ult pute ink tate ad t from enly io R e wo uot le, 13 er an owe d 29 F.3d xiste the fi Reo
tio m § surp d re som rs (a (19 '" En ved s te's ors m a dis odw ted S rds le ress , op rtfol . "W 5) (q imb [] ov s a l 4 F.3 ., 61 its e is is cuit e
fro ainst t, an it at igge , 241 ous. rcei statu debt es if so ho . Uni wo ong ent v. Po s not (201 s." K [s]' we, a e, 49 Corp for t th Cir hit
ag deb erify te tr . 235 erflu to pe m a ides quir it al ie v e the ue C uirem ans doe 409 ision ation ugh ustic ling ason d tha inth R. W n is
the st v ispu U.S sup ary t fro prov A re ext- Lam eliev resc req ); Ev )(3) 01, 2 dec tific Tho of J Dril ry re calle he N yron ctio 14
mu ery d , 489 l and ontr epar e: it DCP A's t ains, we b ce to iting 018 te; (a t. 24 rong l jus 18). ep't rod e ve e re nd t 20 B n fun 3d 1
ev ters. sica so c To d sens he F DCP rem n if vin a wr Cir. 2 ispu S. C e w pecia (20 .S. D . Pen ss, th ust b uit a tice ctio 7 F. ch a
En nsen ome law. akes ay t he F ubt s eve r pro ject 6th ten d 135 som r "'s 8-79 v. U ats v roce It m Circ . Jus redu c., 60 f su n
no outc the s m the w uts t y do ord d ou its re 58 ( writ LLC, ng to ks fo , 247 g Lin ; Co nc p 21 (" inth Ret ror- 's In ght o dati
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or d res s no an 1 ress' . . 'It Nin .3d 7 com rvel "mea me C 8 S. 15); S. 48 t of 3d a ardi onin sts th re G . 199 "case d de leigh
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sto 80 ver on on . 20 nco en for rem ing 7 ( re sed the ge es v un s ad

A Change
of Heart,
in Writing

I


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Collector - July 2020

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