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s
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o
o
(
,
,
u
l
b
t
t
r
d
o
i
c
u
d
d
c
2
b
(
'
e
1
s
o
n
n
T
debt
in
writing,
but
argued
that
its
letter
r
s
i
k
c
m
the
consumer
to
communicate
with
the
8
f
p c
e
.
e
ff
u e
4 )
1
r
s
l
c
(
a
i
g
a
lic
ly
it
t
(
.
a
e
im t
su
a
c
rc
teg orre , dev ), aff 722 110 d, JJ. eview n the ed to s per at la a ci mie app f 199 d ed v. G ixin of ap noti ." Mo to l mus e." Id con ad f 00) to re 3, 41 hat d urt r st ab tem ificat ion, deb to co ply y] re We a be e exp t
c ns 10 .S. .3d ar
t e i th ns La rts t o (2
n
n collector
s dThus,
F ts nein writing.
l
a
i
0
p
t
d
1
t
b
s
o
e
r
n
'
n
r
i
.
t
g
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o
e
R
t
,
s
i
o
a
r
e
2
u
a
a
4
h
h
e
s
s
n
e
complied
with
that
requirement
and
moved
t
debt
according
ca cisio r. 20 5 U 95 F ow d in s wit dev her ion asio ven cou Ac ary omm augh our se o cho judg w an ew r faith ht in Cir. gne F.3d clud nc C s aga 3) a ch v t que til t tenin not ontr stem ute, er th ran F
a ec t ; (
c
u ha , un rea
an urt l la e n od oug 3d illin 91 on
sy disp ath rt g 950
ay [adistrict
e c st u a"the
s
b
de h Ci s, 53 ez, 6 & H lishe rror ently elsew decis occ . Gi trict ights ction ty C tovanHarrison,
l
a
h
f
t
d
(
t
f
c
for
judgment
on
the
pleadings.
The
n
m
requirement
of
a
writing
h
t
r
r
u
o
a
,
o
7
h
(7t und -Per udin pub nel e nsist ues g a rare iano , dis vil R h Di . Safe . Ka ong s mu ctrin atec eder of t in g as b 4-55 nd w sler, , we ur e pro owe opy o ring ereo or t ctor ting erent t any edit t Co iano 989
t f f ion t " "w 35 g a es ort d o PA t is
e th ng lle op h ha Cr ric az . 1
gro mes d Bo 98), t pa is co lleag rulin , "on Graz rters e, Ci glis rod ett M "in
c (a)(5)
tor ts do ng s (a)(4)
a c nwith
o sgranted
am subsections
l court
sw ionSentry
r sh
i cCredit
o cat and
t 0, ofinSection
t ry ist Gr ed th
o Ad and
C ebagreed
a
c
c
t
i
u
P
d
9
e
c
n
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r
a
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r
P
n
d
n
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u
a
t
D
o
n
a
o
l
g
o
t
t
d
G J., a 3, 1 rre hat r c ove
ir ing r st atu d E er .'" B in col m low atio pli wh r's s d 35 an r & I In : sh e F e d r an re ort nic eb g": so i late en e D g." (2d cing
p consumer
p g S th itin ry for de
th me efo The
st ssle that
ro t al ret eaapcongressional
s
o F.3 erintent
e
V isis . Th the
C. ne 2 to co ket t y ou t by ."). Thrturn . Fo by st xfor nsum now stand ean1692g
mu ch d ritin appealed
r
a
d
e f nreveals
e
m umotion.
B ted
e
g.
)
p
c
tor ebt
v
eat em inthe
d
(Ju iew doc lied b nflic cuits ove 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
v
r
.
o
t
a
y
,
n
t
r
o
a
"
m
h
e
e
o
u
u
e
o
b
l
d
c
district
court's
decision.
r
disputes
be
in
writing."
p
e t b ent (5) co ding st be h Di g" b tion" (a)(
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
d
r
)
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
, 3rd Circuit
a
On
review, the
v
,
n posed
r
e two
r
e
i arguments,
as . Separties'
w. coll ram bboth
so mina n of ctors he s n ot ., C s co e're e "le razi unm ew Je con After
fro laconsidering
ot uest 2-16 he c t ag mits debt lecto ct to ctive ress a 4) an ptio n th ctiv rd E in w ] ve ke (a hat C ur
n
n
a
t
a
o
g
e
e
d
i
G
m
n
.
e
t
a
o
l
(
l
h
w
o
e
9
e ffe ng a) le
o effe xfo tor ing nli d t arb
r hequestions:
r th
h ua ing atio did a q 16 of
e
e siti ee f t in ed e, e ded d, ' s t ing av is N s th the
o
t
e
a
p
t
c
s
First,
does
15
U.S.C.
Section
m
(
3rd
Circuit
Graziano
panel
decided
that
p ft
e Co s
h in
n be , O llec in[ t u me M eb
o . Q m in it
d
i
s
p
h
e
u
t
g
g
e
e
t
t
o
r
e
r
e
f
i
n
)
§
t
e
"
e
r
"
t
i
t
a
S
a
d
n
n
s
s
e
p l th po er s.
e ay d o nge fee n v esu am red sen C. § nam ju a)(3 n o iti ith to b to tion ul gm to ute co bta bu esu lso e d
ta d cit es
eg
, orally
m jud teto
o 3)- pr e a th f e
a y's il1692g
so pr (a)(3)
Al ons , sup t say be r tly s y ma esus tatut rgum tod e an chSection
f a 2g( ctio ohib 1692g(a)(3)
isp ebt dispute
pre .S. that
r w te, ute allow
eex y Crequires
sec th debtors
..
he aodispute,
e
u
e
i
ati 89) hat i arily recen read st, r ret s at a ding d rul our orne ee W s and nts r entr also 15 U (2) t opy 169 colle ) (pr lecto ispu ttrib sub r wi d for disp .g., D the d til . g(a)( rally ."); s prov . So
,
e
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
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
a
debt's
validity?
Second,
does
an
en
banc
i
(
in
order
to
be
effective,
must
be
in
writing.
r
.
( n rd ga as
r id y?
o ,l
9 gen dant e to ately And
b o "an ee if[y . .
c ta
r r h an ese rd
b or he eas 2e
t
e
n
s
a
n
e
6
A
e
t
o
t
t
e
a
f
t
o
)
d
1
l
a
d
n
i
.
th st o e Ka at h y c e in ort . Ou on
for awa men nab ano w tice alidi tices the d ebt het all c 169 y deb e th easo a)(3 g a ore m that on. S ] not ion ke § , it is edun hav med ally. d St
t
( have
f ability
o court
c that
r
§ n
t
r
i a decision
i
oexplained
v
f itd didwnoth believe
ir
ly
rcourt
in the
ti to overturn
e
s
mu ustic n th es. B ay w supp rule ance ng to ven uire The
eas Graz his n ebt's Pra nt o f the g, or tor s . See to a requ no tion ovid there uire nica er [to ollec A. L e Ac ther tual ty im ebt o Unit (3
o
d
q
i
w
r
i
J
e
i
i
t
l
l
e
t
y
i
s
f
e
n
i
e
l
c
c
c CP am ge ven id
s eta re th
n re fa nd ) r t o in ll t
u o tin le
r It req
t to
u mpanel?
e
d
e
d
o
s
e
e
t
n
o
p
n
59
e
i
s
s
r
e
l
l
a
t
m
made
by
a
previous
In
answering
l
a
e
s
that
Congress
had
intended
to
create
an
o
n
u
pr btor s in er diffe ctua k for 1), a 2g(a tien ced t's a ute llec e am atio wri t co isp ym ead We 'sub ) by ent. (3) om onsu "cea e FD he s alto h, e s va ute o us 55, 2 ev.
t rds ug
o th fic
b a d pa e r rts. at )(3 em (a) of c e c to
n
p
2
it sp
ls
R
ha
de ange im. H w a of a hoo (a)( 169 quo oun incoherent
of 3rd
e i de when
f
g both
f ththe
b
o Circuit
h
to
questions,
ri system
ledrafting
ir
o theth (a "yes"
e t dis t C dispute
s
s
ho ve di o a 3d L.
1)
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
r
6
m
o
m
r
R
e
e
f ui
o clu"a 1 at finally
y
H l
l nti
§
t
7
o Fair cluFinally,
te itocourt
ta
se s soclarity
us the
he urts '] cla e on s, § 1 vey serv " tes And toFDCPA.
§ th
It w mon
an (3) ctithat
eb t 2 o, 16 Val an
q col euniversal
n
the reasoned
d
ed oth delivered
ob pu the
n
er
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
d
(
g
l
l
y
n
s
y
w
n
w
e
i
a
r
t
a
)
i
e
o
b
e
i
a
n
l
)
e
p
o
i
r
o
h
s
l
e
a
a
a
M
m
l
l
r
b
e
i
e
r
e
T
i
b
m
3
n
subject
of
requirements
for
consumer
d
a
[written
dispute]
creates
a
lasting
record
of
o
n
y
b
p a
io gi es
d
t
ct
e
ol rm )(
rs ,"
v.
h
pa t ( ob id in
ct de fic r v ing c
sc d
gi
th
dis for
d
cto re
tod vial v telli otic icate gres llow ppea otice olle equi e ori ithou ts an ubse nue peci lette ply usly com . Bu (5), cons ts it whic llect the c g pe 2g(a tates y Do ty. Se oral here dis
s
c
o
i
a
n
n
y
l
t
n
r
9
i
i
s
b
t
n
a
n
i
t
m
,
i
h
i
i
i
o
t
n
S
disputes
as
stated
in
validation
notices.
d
t
the
fact
that
the
debt
has
been
disputed,
and
tr st on his Co (3) ich on ebt ust of t es w de 2g, on we the co rev ly e lidi an also om ing o c ing an
16 ed
rd urd An nd ora
mu llecti t sop uage g(a) wh dati he d er m ress enci ltiple 169 to c ison, ging er as rt p fair f va )(4) ust but read pts t writ n me nto § Unit Absu abs od.3 tes a ting ent w
u rd " o (a
argued
Congress
a
source
i t i that
dof potential
n eth pu mit bs en
a emRiccio
e lettconflicts.
mOnuteappeal,
g
n
r
u
n
e
tt ddavoids
o
l
a
g
e
a
i
r
a
l
o
l
co "leas lang 1692 uage "vali ted, t lethus
n
e
t
d
o
s
i
a
n
a
n i
C
t
t
t
a
i
t
t
p
o
a dit es m ect
is
mi v. H ed,1 d its this he w ptio choe 3). W a sta l avo e at deb 3)'s eme uot ng, Thnts t he m en d t per d an dver e
e roughly
al the C. § lang ed a ispu r the and For
s
r
r
w
e
t
f
r
had
inadvertently
omitted
a
writing
u
three
decades,
the
3rd
q
(
c
i ou n t itt ha ea na
e of y,
m n e 98 of
o o
l in the a) ui ) (
r
o
.
p
u
i
l
e
e
n
u
n
d
l
r
w
s
S
o
n
t
m
s
.
h
l
e
r
t
o U ro
r d
i efer
a , is et am ts
n m
e ure b zia io vie el al
1 on rt w ont es 2g( req 18
e
o
e
"
c
a
(
s
r
w
h
m
g
s
r
n
r
e
f
a
o
t
t
p
t uldthera only
3
i ou
0
u
9 ng Section 1692g(a)(3).
15 ses ften reof s wh he n debCircuit
icc acircuit
ne require
ny a pa gto
. 2 n F. M at it ndin rove argu sed t ngre the p c., 7
n c ispu 16from
ry (b) 16, 2 sect Crequirement
G
ns truc was
e
R
i
o
r
a
i
o
i
t
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t
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o
.
e
p
i
t
,
r
d
c
n
a ter,
th ted sts ute y c ire s nd w ("I x. A om ted sed tatu tion .S. one ]he tor or d ot: § wr d C Joh le th epe to p sel refu t Co . is v., In ay
n
3
c no be
.
a
t r a 13) disputes
s sec 4 U But
U
b ts d sthe
bt psh rn Riccio's
let rtion esen eque disp "If anall
ier ccourt
in ("[T llecTo eevaluate
ou urt ugh k . Ser ); S
l. E he s to
2 ( ingargument,
en FDCPA
o
na
n. ine writing.
b
po n pr er r ting 2h ( the edit ir. 20 omp but t II A ritte 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
r
o
s
9
c
.
h
b
e
t
(
n
Th
t
g
m
t
4
o
r
f
c
9
r
,
C
)
t
c
analyzed
the
language
of
the
FDCPA
and
c
C
Graziano
had
opened
a
Pandora's
box,
1
ti nsu po 16 ive al 3d : 8 no 20 or w o re ded Sta lan 4 ( ly, at i * * o sh d 1 it." un riou e, i Ri rem if w igh olle Cir. mple 7
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 C (7th a si U.S.
of
e of
1 fica rise
n ic in
E Section
t
e examined
r
0
m
2
n how
6 the
in
re
G
to
Cto ag series
in construction
t w lu 6
as lawsuits
bt an
su the
fro bts. S w th he o 42, giving
ti k. 9 (3d ifyin in o mph v. U part .S. 5 e de dem nt eff xcep nc., 9 'inte a re sign noth argu re, th here. wha bso 7 n. nce y., 57 'mo
o
"
e
e
4
s
l
de e vie y of t 3d 1 g 3rd
no 92Circuit
y
A
t
e
U
l
h
e
t
s
2
I
e
r
e
f
c
e
l
r
)
l
a
a
t
t
3
t
l
.
o
I
e
1692g
provided
clues
to
congressional
(
.
6
b
challenging
debt
collection
d
v
l
e
o
e
nt
r
e
b
3
"th ntit 09 F. win § 16 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
w bs ly, att 8.
a nd rd- on intention.
v Cl 3d this dia is
o isp language
n
e
1 hthat
o
n
r
o
s
)
ide C, 7 follo . Seeletters
f
C
e
s
t
a
r
d
t
quoted
the
dispute
.
d
p le i
u b
i
d (4
3
r
i
e
s
n
o
u
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
(
i rr g i 1692g(a)(3)
a
s
R
a
i
e
s
,
d
o
l
r
t
e
u
n
h
e
A
n
l
s
u
M
I
)
t
e
a
h
h
e
h
a
r
t
a
The
3rd
Circuit
began
its
analysis
of
the
m
Section
and
claiming
4
ing -shi ge, 9 from
e 07
v cu in e C v. r
ft f 't
re he isp t's e.
. B ) g t on
LC to ay
et e." s, a zi
pu
fee od "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 7e ith so by
. at C tod ds FDCPA's
g pur relevant
m [W required
n 24 he b lay
o out gprovisions
n ies
su reviewing
C
o
sta the d thea different
te[ fromGraziano
a
n
v. H ly to uthat
e
h
e
e
i
s
g
s
r
u
t
o
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
Section
1692g(a)(3),
which
states
in
u
l
1
S
d
.
disclosure
that
included
the
words
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
h 69 lusa pon po 4) 9)) om cia lain ult ute ink ate d t om ly
R wo uot e, 13 r an we d 29 F.3d iste he fi eo
if d ns"in
t
a fr part
p
o p
1 writing"
e
pertinent
e debt collector
c "dispute."
o must
e
io the
R
s after
l
x
)(the 8word
en that
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 t cuit e
o
i
t
1
.
t
t
u
t
t
t
1 " K ]' e, a 49 orp or th
i at eb
n a
f
oinitial
e
s
g
s
o
i
4
o
h
n
n
e
a
0
g
froMercifully,
P
u
n
2
e
n
c
n
.
s
s
,
,
t
t
f at h Cir Whi
2
include
in
its
communication
w
the
3rd
Circuit's
recent
en
C
ai ebt fy i trig 35, fluo per a s es d ire also v. U he Co rem s v. oes 9 ( ons on[ h w tice "a
n
g
h int R.
g aso
is
a
t
i
t
0
u
i
i
e
e
t
d
n
i
r
2
g
s
n
e
r
i
d
t
i
o
s
d
4
i
q
m
t
e
n
e
a
u
i
u
t ro ov
a ou f Ju rill within
ve spu U.S. in
re Credit
re alled e N ron ctio 4
, 2 deci the
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consensus view."


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Collector - July 2020

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