Consumer Finance

In In re: Edwards, No. 14–50717, 2017 WL 3037451 (W.D. Ky, July 17, 2017), Judge Stout found that a marine retailer's conversion of funds out-of-trust from the sale of collateral rendered his debt to his floorpan lender non-dischargeable. Taking these points together, this Court has no trouble finding that Mr. Edwards both read the documents he signed, and was aware of CFSB's… Read More

  In Jewsevskyj v. Financial Recovery Services, Inc., --- Fed.Appx. ----2017 WL 2992499 (3rd Cir. July 14, 2017), the Court of Appeals for the Third Circuit rejected an FDCPA class action that was based on the contention that FDCPA notices were given in too-small of a font. Here, although the format is compressed and the font is small, our inquiry focuses on whether… Read More

In Evans v. Portfolio Recovery Associates, LLC, No. 15 C 4498, 2017 WL 2973441 (N.D. Ill, July 12, 2017), Judge Kennelly awarded $43k in attorneys' fees following settlement of an FDCPA case. Katherine Evans sued Portfolio Recovery Associates, LLC for violating the Fair Debt Collection Practices Act (FDCPA), 15 USC 1692e, by sharing Evans's credit information with a credit reporting agency without… Read More

In Balogun v. Winn Law Group, APC, et. al., No. SA CV 17-0796-DOC (JCGx), 2017 WL 2984075 (C.D. Cal. July 12, 2017), Judge Carter dismissed an FDCPA lawsuit premised on a creditor obtaining a judgment in another state and domesticating that judgment in California. First, Plaintiff alleges that the Delaware default judgment was improper because Delaware was not a proper venue for… Read More

In Caruso v. Merchant's Credit, 2017 WL 2972415, at *3 (S.D.Cal., 2017), the District Court found limited standing for a TCPA plaintiff. Further, although unwanted telephone calls can create an actual, albeit intangible, injury sufficient to constitute standing, unwanted telephone calls to a relative—even a mother—do not. See Olney v. Progressive Cas. Ins. Co., 993 F. Supp. 2d 1220, 1225… Read More

In Contreras v. Portfolio Recovery Associates, LLC, 2017 WL 2964012, at *3 (N.D.Cal., 2017), Judge Corley held that discrete abusive acts were not subject to the continuing violation doctrine. The FDCPA also prohibits “causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.”… Read More

In Wick v. Twilio, Inc., 2017 WL 2964855, at *4 (W.D.Wash., 2017), Judge Laznik found that Twilio might have used an ATDS, if it was Twilio who placed the call. Contrary to Twilio's argument, the FCC has not created a blanket rule immunizing from TCPA liability cloud-based service providers that transmit third-party content. Rather, the totality of the facts and… Read More

In Demay v. Wells Fargo Home Mortgage, Inc., 2017 WL 2954629, at *2–3 (N.D.Cal., 2017), Judge Gilliam dismissed an FCRA Plaintiff's class action based on accessing consumer reports after receiving a bankruptcy discharge. Plaintiffs allege that Wells Fargo lacked a permissible purpose for accessing their credit reports after their bankruptcy discharge. FAC ¶ 31. According to Plaintiffs, the discharge eliminated… Read More

In Ritchie v. Lease Finance Group, LLC, et. al., 2017 WL 2963462, at *2 (C.A.2 (N.Y.), 2017), the Court of Appeals for the Second Circuit said that it was the substance of the reinvestigation, not the time spent on it, that matters under the FCRA. Ritchie argues that when Experian notified defendants that Ritchie's signature was disputed, FCRA required them… Read More

In Group One Development, Inc., v. Bankof Lake Mills, et. al. 2017 WL 2937709, at *3 (S.D.Tex., 2017), Judge Lake held that a commercial debt did not trigger the FDCPA. Plaintiffs allege that they are “consumers” and that defendant Fora is a “debt collector” as defined by the FDCPA. Fora argues, however, that the debt at issue is not a “debt”… Read More

Well, they didn't actually use the word "devastation".  In Susinno v. Work out World, Inc., 2017 WL 2925432, at *4 (C.A.3 (N.J.), 2017), the Court of Appeals for the Third Circuit held that: Traditionally, a plaintiff's “privacy is invaded” for the purpose of an intrusion upon seclusion claim by telephone calls “only when [such] calls are repeated with such persistence… Read More

In Sandusky Wellness Center, LLC. v. ASD Speciality Healthcare, Inc. d/b/a/ Besse Medical AmerisourceBergen Specialty Group., Inc.,  2017 WL 2953039, at *8–11 (C.A.6 (Ohio), 2017), the Court of Appeals affirmed denial of class certification in a TCPA class action. To be sure, courts have been inconsistent in how they have accounted for difficulties in identifying class members, especially within the… Read More

In Slovin v. Sunrun, Inc., 2017 WL 2902902, at *4 (N.D.Cal., 2017), Judge Rogers declared a Rule 68 offer to TCPA class representatives invalid because to let it stand until the end of the litigation created a conflict between the class representative and the putative class. The Court finds that the individual plaintiffs could not accept the Offer without jeopardizing their… Read More

In Gebhardt v. LJ Ross Associates, Inc., 2017 WL 2562106, at *2–3 (D.N.J., 2017), Judge Cooper granted summary judgment for a debt collector who called the debtor after "receiving" a notice of representation letter from the debtor's counsel. The sole contention between the parties, and the only question for us to resolve with this count, is whether Defendant had the… Read More

A copy of industry's Notice is here. Read More

In St. Louis Heart Center, Inc. v. Vein Centers for Excellence, Inc., 2017 WL 2861878 (E.D. Mo. 2017), Judge Perry found ascertainability problems in certifying a TCPA blast-fax class. As discussed in my prior Memorandum and Order of February 7, 2017, the Eighth Circuit addressed a class action similar to this one in Sandusky, which also involved violations of the… Read More

In Golan v. Veritas Entertainment, LLC, 2017 WL 2861671 (E.D. Mo. 2017), Judge Webber held that there could be due process limitations on the amount of damages recoverable in a TCPA class action. In their Motion for Partial Summary Judgment on the Issue of Damages [ECF No. 239], Plaintiffs ask the Court to determine the amount of damages to be… Read More

In Clayton v. Ford Motor Company, 2017 WL 2859628 (4th Dist., Div. 2 2017) (unpublished), the California Court of Appeal affirmed the trial court's cut of a consumer's attorney fee request in a Song-Beverly case, finding that the trial court properly set the consumer lawyers' rate at $275/hour and reduced the fee claim for work done on matters for which… Read More

In Martinez v. TD Bank USA, N.A., 2017 WL 2829601, at *5–6 (D.N.J., 2017), Judge Simandle granted summary judgment in a TCPA case on the basis that the Plaintiff's fax of revocation of consent was not a reasonable method to revoke consent because Plaintiff sent the fax to the Bank, and not a fax number designed by the Bank or… Read More

In Daubert v. NRA Group., LLC, 2017 WL 2836808, at *4–5 (C.A.3 (Pa.), 2017), the Court of Appeals for the Third Circuit found that a medical debt servicer did not meet its burden of demonstrating that it or its assignor received consent. The Sixth Circuit found prior express consent where the plaintiffs gave their cell numbers to a hospital-intermediary in… Read More