ST. JOHN v. CACH, LLC

Nos. 14-2760, 14-3724, 15-1101.

822 F.3d 388 (2016)

Paula ST. JOHN, Yvonne Owusumensah, et al., & Bryan Sirota, Plaintiffs-Appellants, v. CACH, LLC; Cavalry Portfolio Services, LLC; & Unifund CCR Partners, Inc., Defendants-Appellees.

United States Court of Appeals, Seventh Circuit.

Decided May 19, 2016.


Attorney(s) appearing for the Case

Matthew H. Hector , Attorney, Sulaiman Law Group, Ltd., Oak Brook, IL, for Plaintiffs-Appellants.

Nicole M. Strickler , Attorney, Messer, Stilp & Strickler, Ltd., Chicago, IL, for Defendants-Appellees.

Before KANNE and MANION, Circuit Judges, and PEPPER, District Judge.


Section 1692e(5) of the Fair Debt Collection Practices Act ("FDCPA" or "the Act") prohibits debt collectors from threatening to take an action that they do not intend to take in the course of collecting a debt. 15 U.S.C. § 1692e(5). The question before us is whether this provision makes it unlawful for a debt collector...

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