Collector - March 2021 - 39

GOVERNMENTAFFAIRS

presented no evidence, for example, that
they paid a different, lower-interest-rate debt
thinking that the debts mentioned in the
letter would not accrue interest at all. Nor
did they present evidence that they took
action to clarify any confusion over whether
the debts were accruing interest.

BAZILE V. FIN. SYS. OF
GREEN BAY, INC.
In this case, the court directly addressed
a consumer's burden of proof to establish
standing when the issue is considered at the
motion to dismiss stage. The court explained
that " [o]nce the allegations supporting
standing are questioned as a factual matter-
either by a party or by the court-the plaintiff
must support each controverted element of
standing with 'competent proof,' which we've
understood as 'a showing by a preponderance

of the evidence, or proof to a reasonable
probability, that standing exists.' "

NETTLES V. MIDLAND
FUNDING, LLC
In Nettles, the court took up the issue of
standing despite the fact that it had not
been an issue that had been developed in
the district court. The court noted that
for purposes of Article III standing, the
plaintiff must establish " a real injury-
that is, one that actually exists, though
intangible harms as well as tangible harms
may qualify. " Reiterating that " an FDCPA
plaintiff must allege a concrete injury
regardless of whether the alleged statutory
violation is characterized as procedural or
substantive, " the court remanded the case
with directions to dismiss it for lack of
jurisdiction on the basis that the plaintiff

admitted " that the letter didn't affect her at
all and that her only injury [was] receipt of
a noncompliant collection letter. "

FINAL TAKE
Practitioners and clients alike should carefully
analyze these six post-Spokeo opinions to
better understand the latest developments
in Article III standing issues surrounding
FDCPA claims. Taken together, these cases
call into doubt plaintiffs' ability to achieve
Article III standing based on bare allegations
of technical FDCPA violations alone. Instead,
plaintiffs will need to allege and ultimately
prove that they took some action to their
detriment by putting forth " competent proof "
of such an injury in fact.
Jamie N. Cotter and Jacob Hollers are
attorneys in Spencer Fane's Denver office.

TAILORING DEBT
PORTFOLIOS IS
JUST AS EASY IN
THE RIGHT HANDS.

Buying a portfolio isn't difficult when you have an experienced partner. We have been in the debt buying
industry for over 14 years and are a member in good standing with the ACA. Our portfolios are crafted to fit
your company's needs and budget. Whether it's consumer loans, commercial loans, or auto deficiencies, we
work with banks, credit unions, and auto lenders nationwide to bring you direct from issuer accounts which
haven't already been collected on by multiple industry collection agencies.
To discuss how we can tailor your next debt portfolio, contact Craig Geisler
at cgeisler@cherrywoodenterprises.com or 561.508.7650.

COLLECTOR 03.21

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