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BARNES v. ADVANCED CALL CENTER TECHNOLOGIES, LLC

No. 06-4338.

493 F.3d 838 (2007)

Christipher BARNES, Janel Moser, and Kristine Nimmer, Plaintiffs-Appellants, v. ADVANCED CALL CENTER TECHNOLOGIES, LLC, Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided July 12, 2007.

Attorney(s) appearing for the Case

Robert K. O'Reilly (argued), Ademi & O'Reilly, Cudahy, WI, for Plaintiffs-Appellants.

Ross A. Anderson (argued), Whyte Hirschboeck Dudek, Milwaukee, WI, for Defendant-Appellee.

Before RIPPLE, WOOD, and EVANS, Circuit Judges.

EVANS, Circuit Judge.

Advanced Call Center Technologies, LLC (ACCT) is a debt collection agency. Hired by MBNA America Bank to collect past-due credit card payments, it sent standard form dunning letters to Plaintiffs, each of whom were delinquent in making required minimum monthly payments against their respective account balances. The letters explained that the named credit account had been listed with the agency for collection, listed the past-due amount as the...

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