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WHITE v. GOODMAN

Nos. 98-4180, 98-4328, 98-4329.

200 F.3d 1016 (2000)

Patricia WHITE, on her behalf and on behalf of all others similarly situated, et al., Plaintiffs-Appellants, v. Jerome GOODMAN, et al., Defendants-Appellees.

United States Court of Appeals, Seventh Circuit.

Decided January 11, 2000

Attorney(s) appearing for the Case

Daniel A. Edelman (argued), Edelman, Combs, & Latturner, Chicago, IL, for Plaintiff-Appellant in No. 98-4180.

Cathleen M. Combs, Edelman, Combs & Latturner, Chicago, IL, for Plaintiffs-Appellants in Nos. 98-4328 and 98-4329.

Leonard O. Abrams, Abrams & Abrams, P.C., Chicago, IL, Manuel H. Newburger, Barron & Newburger, P.C., Austin, TX, for Amicus Curiae Commercial Law League of America.

Stephen R. Swofford (argued), Hinshaw & Culbertson, Chicago, IL, for Defendants-Appellees.

Theodore R. Scarborough, Jr., Sidley & Austin, Chicago, IL, for Defendant-Appellee Book of the Month Club, Inc.

Before POSNER, Chief Judge, and MANION and ROVNER, Circuit Judges.

POSNER, Chief Judge.

One of the practices that the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692 et seq., forbids is "flat-rating," the term popularly applied to providing a form which creates the false impression that someone (usually a collection agency) besides the actual creditor is "participating" in collecting the debt. § 1692j(a); see S.Rep.No. 95-382, 95th Cong. 1st Sess. 5 (1977), U.S. Code Cong. & Admin.News 1977 pp. 1695...

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