HAYES v. DELBERT SERVICES CORP.

Nos. 15-1170, 15-1217.

811 F.3d 666 (2016)

James HAYES; Debera Grant; Herbert White, on behalf of themselves and others similarly situated, Plaintiffs-Appellants, v. DELBERT SERVICES CORPORATION, Defendant-Appellee. National Consumer Law Center; National Association of Consumer Bankruptcy Attorneys; Center for Responsible Lending, Amici Supporting Appellants. James Hayes; Debera Grant; Herbert White, Plaintiffs-Appellees, v. Delbert Services Corporation, Defendant-Appellant. National Consumer Law Center; National Association of Consumer Bankruptcy Attorneys; Center for Responsible Lending, Amici Supporting Appellees.

United States Court of Appeals, Fourth Circuit.

Decided: February 2, 2016.


Attorney(s) appearing for the Case

ARGUED: Matthew W.H. Wessler , Gupta Wessler PLLC, Washington, D.C., for Appellants/Cross-Appellees. Brian Jason Fischer , Jenner & Block LLP, New York, New York, for Appellee/Cross-Appellant. ON BRIEF: Deepak Gupta , Jonathan E. Taylor , Gupta Beck PLLC, Washington, D.C.; Jennifer D. Bennett , Leah M. Nicholls , Public Justice, P.C., Washington, D.C.; James W. Speer , Virginia Poverty Law Center, Richmond, Virginia; Dale W. Pittman , The Law Office of Dale W. Pittman, P.C., Petersburg, Virginia; Leonard A. Bennett , Susan M. Rotkis , Consumer Litigation Associates, P.C., Newport News, Virginia; Kristi C. Kelly , Andrew J. Guzzo , Kelly & Crandall, PLC, Fairfax, Virginia, for Appellants/Cross-Appellees. Barry Levenstam , Daniel T. Fenske , Chicago, Illinois, Katya Jestin , Neil M. Barofsky , New York, New York, Julie M. Carpenter , R. Trent McCotter , Jenner & Block LLP, Washington, D.C., for Appellee/Cross-Appellant. Tara Twomey , National Association of Consumer Bankruptcy Attorneys, San Jose, California; Geoff Walsh , National Consumer Law Center, Boston, Massachusetts; Ellen Harnick , Center for Responsible Lending, Durham, North Carolina, for Amici Curiae.

Reversed and remanded by published opinion. Judge WILKINSON wrote the opinion, in which Judge KEENAN and Judge HARRIS joined.


James Hayes, the lead plaintiff-appellant in this case, received a payday loan from a lender called Western Sky Financial, LLC. Defendant-appellee Delbert Services Corporation later became the servicing agent for Hayes's loan. Because Delbert's debt collection practices allegedly violated federal law, Hayes initiated a...

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