No. 04-1074, 04-1455.

394 F.3d 531 (2005)

Elizabeth KORT, individually and on behalf of all others similarly situated, Plaintiff, v. DIVERSIFIED COLLECTION SERVICES, INC., a California corporation, Defendant-Appellee. Appeal of: Hattie Harris-Alleyne and Lindsay Miller, Intervenors-Appellants.

United States Court of Appeals, Seventh Circuit.

Decided January 10, 2005.

Attorney(s) appearing for the Case

James Shedden, Beeler, Schad & Diamond, Chicago, IL, for Plaintiff.

Christine Olson McTigue (argued), David M. Schultz, Hinshaw & Culbertson, Chicago, IL, for Defendant-Appellee.

Lance A. Raphael (argued), Stacy M. Bardo, Consumer Advocacy Center, Chicago, IL, for Intervenors-Appellants.

Before POSNER, MANION, and EVANS, Circuit Judges.

MANION, Circuit Judge.

Elizabeth Kort, representing a class of individuals, sued Diversified Collection Services ("DCS"), claiming that DCS violated the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. §§ 1692, et seq., by mailing her and others misleading garnishment notices. The debts at issue were student loans governed by the Higher Education Act ("HEA"), 20 U.S.C. §§ 1070, et seq. The text of the garnishment notice was...

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