EVORY v. RJM ACQUISITIONS FUNDING L.L.C.

Nos. 06-2130 to 2132, 06-2134, 06-2157, 06-2271, 06-3129, 06-2130, et al., 06-3162, 06-3327, 06-3439, 06-3446.

505 F.3d 769 (2007)

Tammy A. EVORY, et al., individually and on behalf of all others similarly situated, Plaintiffs-Appellants, v. RJM ACQUISITIONS FUNDING L.L.C., et al., Defendants-Appellees. Kelly Lauer and Karla Lauer, Plaintiffs-Appellants, v. Mason, Silver, Wenk & Mishkin, LLC, et al., Defendants-Appellees. Kevin I. Captain, Plaintiff-Appellant, v. ARS National Services, Inc., Defendant-Appellee. Philip Jackson, et al., individually and on behalf of all others similarly situated, Plaintiffs-Appellants, v. National Action Financial Services, Inc., et al., Defendants-Appellees.

United States Court of Appeals, Seventh Circuit.

Decided October 23, 2007.


Attorney(s) appearing for the Case

David J. Philipps (argued), Philipps & Philipps, Palos Hills, IL, for Tammy A. Evory, Angela T. Hubbard, Christian M. Cline, Kevin I. Captain, Phillip Jackson, Sharon Ackman, Daniece Bonner, Plaintiffs-Appellants.

David J. Philipps (argued), Derek B. Rieman, Edelman, Combs & Latturner, Chicago, IL, for Kevin L. Headen, Plaintiff-Appellant.

David J. Philipps (argued), Daniel A. Edelman, Edelman, Combs, Latturner, Chicago, IL, for Noah Downs, Jr., Plaintiff-Appellant.

Chip G. Schoneberger (argued), Clausen Miller, Chicago, IL, for Mason, Silver, Wenk & Mishkin, LLC, Timothy E. Hirsch, Defendants-Appellees.

David L. Hartsell (argued), McGuire Woods, Chicago, IL, for ARS National Services, Inc., Defendant-Appellee.

Christine Olson-McTigue, David M. Schultz (argued), Hinshaw & Culbertson, Chicago, IL, Tomio Narita, Simmonds & Narita, San Francisco, CA, for Midland Credit Management, Inc., Midland Funding NCC-2, Corp., Defendants-Appellees.

Christopher V. Langone, Mark T. Lavery (argued), Chicago, IL, for Kelly Lauer, Karla Lauer, Plaintiffs-Appellants.

David Schultz (argued), Amy R. Jonker, Messer & Stilp, Chicago, IL, for RJM Acquisitions Funding, L.L.C., Defendant-Appellee.

Christine Olson McTigue, David M. Schultz (argued), Hinshaw & Culbertson, Chicago, IL, for Midland Credit Management, Inc., MRC Receivables Corp., Asset Acceptance, LLC, National Action Financial Services, Inc., Defendants-Appellees.

David Schultz (argued), David L. Hartsell, McGuire Woods, Chicago, IL, for M.R.S. Assoc., Inc., Defendant-Appellee.

Before CUDAHY, POSNER, and WILLIAMS, Circuit Judges.


POSNER, Circuit Judge.

We have consolidated for decision four intertwined cases that present nine questions under the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692 et seq., several of which have engendered considerable controversy at the circuit level and even some circuit splits. We shall first try to answer the questions and then indicate the disposition of each of the appeals that follows from...

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