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ROSARIO v. AMERICAN CORRECTIVE COUNSELING SERVICES

No. 06-16507.

506 F.3d 1039 (2007)

Lydia ROSARIO, Audra Phillips, on behalf of themselves and all others similarly situated, Plaintiffs-Appellants, v. AMERICAN CORRECTIVE COUNSELING SERVICES, INC., Don R. Mealing, Kelly Keahy, Joseph Ayala, Denise Nielson, Defendants-Appellees,

United States Court of Appeals, Eleventh Circuit.

November 1, 2007.

Attorney(s) appearing for the Case

Deepak Gupta, Pub. Citizen Lit. Group, Washington, DC, O. Randolph Bragg, Horwitz, Horwitz & Associates, Ltd., Chicago, IL, for Plaintiffs-Appellants.

Kimbley A. Kearney, Clausen Miller, P.C., David Luther Hartsell, McGuire Woods, LLP, Chicago, IL, for Defendants-Appellees.

Before CARNES and BARKETT, Circuit Judges, and COHN, District Judge.

COHN, District Judge:

This is an appeal by Lydia Rosario and Audra Phillips from the entry of summary judgment against them on their claims of violations of the federal Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Collection Practices Act (FCCPA).

I. BACKGROUND

Florida statutes authorize state attorneys to establish a bad check diversion program, "either within the state attorney...

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