Nos. 95-17402, 96-15010.

109 F.3d 1428 (1997)

Christopher M. TERRAN, Plaintiff-Appellant-Cross-Appellee, v. Jerold KAPLAN, Defendant-Appellee-Cross-Appellant.

United States Court of Appeals, Ninth Circuit.

Decided March 28, 1997.

Attorney(s) appearing for the Case

Michael C. Shaw, Bybee & Shaw, Tempe, Arizona, for the plaintiff-appellant-cross-appellee.

Stanley M. Hammerman, Hammerman & Hultgren, Phoenix, Arizona, for the defendant-appellee-cross-appellant.

Before: ALARCON, BEEZER, and O'SCANNLAIN, Circuit Judges.

ALARCON, Circuit Judge.

This action arises from a letter sent by Jerold Kaplan, in his capacity as a debt collector, to Christopher Terran to collect on a debt Terran owed to Montgomery Ward Credit Corporation in the amount of $546.63 (the "collection letter"). Terran appeals from the district court's denial of a damage award following its determination that the collection letter violated the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. §§ 1692a...


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