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MILLER v. PAYCO-GENERAL AMERICAN CREDITS, INC.

No. 90-1866.

943 F.2d 482 (1991)

Lenvil MILLER, Plaintiff-Appellant, v. PAYCO-GENERAL AMERICAN CREDITS, INCORPORATED, Defendant-Appellee.

United States Court of Appeals, Fourth Circuit.

Decided August 26, 1991.

Attorney(s) appearing for the Case

James F. McAvoy, UAW-GM Legal Services Plan, Baltimore, Md., argued (O. Randolph Bragg, UAW-GM Legal Services Plan, Newark, Del., on brief), for plaintiff-appellant.

Richard R. Kobriger, Jr., Cramer, Multhauf & Hammes, Waukesha, Wis., argued (J. Martin McDonough, Jr., Baltimore, Md., on brief), for defendant-appellee.

Before RUSSELL and WILKINSON, Circuit Judges, and GODBOLD, Senior Circuit Judge of the United States Court of Appeals for the Eleventh Circuit, sitting by designation.

OPINION

WILKINSON, Circuit Judge:

This case examines whether a form letter used by a debt collection agency observed the rights of consumers under the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692-1692o. We hold that the collection agency did not effectively convey certain statutorily required information to the consumer and therefore reverse the judgment of the district court.

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