Collector - July 2020 - 30

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Al tiona . Au d its acc ve." C 45 U ov. pro Isla e fro azia f 't C the 29, with ey's not o pr the s that hold ing -par he n the he F y of a kno sum ich, pute ing G Sent 1, 2 and gain asis dito
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(3d no f take con Stat at 8:2 lecto e V d the o tha Law men 01 U nfor rd a ollec dard as d whe ontr inte s on ceipt sum ectio or a whi the on in that d) ( p. 53 .J. J sh ey o arg t. (e d th ut sp ion
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r
a
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o
i
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v te hts e rul be s an rty ai m
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udispute
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b
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is
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Re rely rsey atute troac (qu ostd illin ct "i k(a) cuits histi er r case e ove h ha ictio in t ll be to e erifi on c t wh ld th ong iting ute L 63 statu ue ( ation f a d uss " te in ano rikes ebt
b
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m w Je et st 's re 007) or p Dis ho a 1692 r Cof
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requirements,
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Ne erpr lding .J. 2 date eam rs w s, § othe least ebto ropr ing s ion ing mer, gmen struc obta any o an tute re a be i any e 20 ding te, o ocum llecto also e di ing t ctive e ev at u
g Se ea ba a textual
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ou 3, 51 ent mes s co viola sev ting tica in an ng. I nel by i he c n o n, it colle nica aym of th e th ive, requ otio . Ye uss, to m deb d 16 sely 803 )(3 ust e cou 0), to cati
e acourt
ttime
u tohthe
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p ng not ectoverturning
(1 o (ators m th 94 tifi
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y e m 112 Graziano,
it
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51 ch ev g Ja ust a vial and (no phis iconstruction,
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n 1the edoctrine
i 69 under
t h v hThe
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in mag clai th C g th ute") xpre eout
e U.S con 47 ocs re
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e
n c1692h,
ostare
e-d ecthat
of er 1692e(8)
qu riti sol3rd
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n ts in .S. ( The
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d a1692g(a)(3),
ed in,began
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94 OR rs is p
e
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ore ion o discuss
ren at but
str ." G rCircuit
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if t , a decision.
13 -wo ext o t disp turn sive d d; (3 er an . Bef port ating colle dop cohe es th y Cr e Di iting iona g" b on" a)(5) ss ac n, 5 g a w nvey is pla iatio ld h en., 6 o M llecto n th in
i
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a
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,
reciting
the
doctrine,
summarizing
it
as
a
b
i
not
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method
of
communication.
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t
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idea
that
today's
Court
should
stand
Considering
the
FDCPA
as
a
whole,
m
e
h
r nfli s ag e d st t ora any [c] ts, in o cr ), c tac din us En cto ing lik th ry lidi te te's uc Co . A 197 ill p t att rds" fting ev
co otect m th gain mits t, or om " deb st be nt t a)(5 r con plea ve, m ford colle tain[ ut un med arbu 's va ispu tatu n Tr g as nif v .33 ( y, st s tha c wo e dra and
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b by
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rs suc , m n in ) and ons f n th effec te, O deb . . o 3)- pre also e deb very n a " eri s lo )); H 187 valid ectio "mag slati a)(3) otin
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l
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g
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t
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o
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three
reasons
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it
would
be
justified
in
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the
court
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t nt g( era ; se ve o i
0 . 15 n o pr
h t l 92g( l) (q s v. F
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(
j 92 on g c sp eff ng s
le gm te, t ., D tif[y . . u 692 gen t.") pro y. S nd ates 201 0 (2 U.S tio nal ver ren § 16 ina ok t
e e
d u e.gof Sections
on tip juwording
t previous
16 llecti itin ith rthat
Coconsistent
o atel ly. A Sa
7 Circuit
s o ppa m
ir. 239 33rd
mp itio panel
rig Ho 0 (5
p ,
no n . § 1 t is dan toverturning
c ti ul
o b the
co ohib r w te, t te to ubse th m d for y dis . See [to] ectio Like ct, i dun have edi oral nited 3d C 87, ill, 4 presu add drum an a t fro in o am); 49-5 e
( 23of the
u s wi 1692e(8)
" en ion ri , 2 I Th
l "amplifies
e
e
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r
t
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e
A
l
n
.
r
n
b
H
y
U
e
h
e
a
e
b
9
v
i
o
decision
in
spite
doctrine.
and
1692h
l
(pr llecto ispu 1692g(a)(3),
e er al
c PA
o t " tio m
im de es 25
v.
v.
cu 6
tr
ke r
th e t nu it m ss
II
co t a d to at 3), li ebto re m s tha nica onsu ease DC e sam geth entu idity te a o us 55, L. Re uth. feat forc n co desp uire omi (per d 24 . 17 nexo
F thin lour
e en awcarries
s d 2 anv. en ybanc
.3 23 n i a
u e§c 1692g
A l ddecision
"c heand,
eq nd 4)
)( variation
to , ev val spu alFirst,
e" rmore
F
a d erefo uirewithin
tha son (athe
t
f
m
o
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rea tion idin It th ) req f com es "t tors y of tion ords ough ve it to d icci 27 F 6 H . Val n st sier uld ] sta ritin (sec ir. 20 c., 86 U.S. not led t 0
t ec
apanel
a
2 C In
a decision
7 , 11 than
o [a (Graziano).
h ro tor 2 R weight
ir llec suggestion
is ett 24
wthat
3 s o Riccio's
w
e
t. refutes
n
c
t
e
4
(
,
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r
sec provview,
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e
n
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,
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i
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a
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o
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l
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s
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by ireCongress
i
r decisions
i
1
9
d from
s
Second,
recent
C
inadvertently
omitted
p
w
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I other
.
m
c
in
qu § 16 both t (a)( blig er th ano nder ebt. ctor mits )(3) v. M Do ity. S ral d d the l dis wor y om lt.'" 90-9 very usse are d of la 5 S. othe 9
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e
r
1
r
,
e
l
i
,
t
ed requirement
e
,
B
)
e
,
u
jurisdictions
suggest
that
reconsideration
of
from
§
1692g(a)(3).
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7
p
r 8
n s
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s
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o
.
e
s
5
h
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v
ta rd s
18
ru e
ip re
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pa lidity nd ( so co mit whic lect t the c ning 169 ed S bsu n ab d.3 A pute itting n ab vert rred 3d 4 ced ansh e su able imbl lly e 3, 9 15
1 .3d
§1692g
t e A o a hothediissue
o reviewed
a ad efe Third,
acourt
a
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l also
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i
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9
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body
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To pl 18 irt
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(a) e mu tute read ts to writ lain ent i ting ng, Th unts e m ritte at p to "r ress the c., 74 v. A draft 4)). e ap d.'" in v 3 F.3 e, 20 beco
pof ithe
p em
alens
o ni mo n th e w of
th ide e jo , 48 Pat ey
thcase
n les Graziano
is followed
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ngthat
in (201 atoffered
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.
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of ll avo e at e deb (a)(3 equ 18) ( F. M at it ing pro argu refu ght C ink . Serv ); Sa istak 798 nt th ly de m," eredi ey v en t s issu o
r
u
,
n
8
decisional
logic
that
led
the
en
banc
court
to
e
h
h
surplusage,
"one
of
the
most
venerable
of
our
wi ntin s th 692g ing r. 20 hn le t pend er to nsel ourt thou ht th tion 201 le m 782 orta ong syst v. H Kin ts w thi m.
e
g llec ir. imp .S. imp wr ral tes Mc en ssed com e
1 rit Ci g Jo nab de easi ou e C we
co putcanons,
s
C s
d
mi the
d
believe
panel would
;
interpretive
which
s courtsc
o
U
ehave
a reached
: § w"
n requires
o Graziano
e
b
]h
dis shot rn a 2 (3 uoti reas ight , it is cio's prem en if t we te C (7th to a 572 ore t wa e fed d St anc) rece ddr e Su ("[T ly
r
5
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sh d 14 ed' i ult s vari hing ent e, th her e for v. Ab 347 iffere n Cm usua prec ole i c); U 95) ( n pa anc Befo view e gen ner,
F.3 tend a res ing f not rgum Ther too ovid lark 337, is d ndia it is t the ent r ban r. 19 ors i en b 253 it Re ile w Cor ls
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it plit ov uld oti 13 ove as a 3d 61 iste the an 98 d e nc t [ ctl
ha

"Although the 3rd Circuit applied its ruling in
Riccio retroactively, it provided guidance for
collectors who have been sending letters that
relied on Graziano as a compliance standard."


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Collector - July 2020

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