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WAHL v. MIDLAND CREDIT MANAGEMENT, INC.

No. 08-1517.

556 F.3d 643 (2009)

Barbara WAHL, on behalf of herself and certain classes, Plaintiff-Appellant, v. MIDLAND CREDIT MANAGEMENT, INC., Midland Funding NCC-2 Corp., and Encore Capital Group Inc., formerly known as MCM Capital Group, Inc., Defendants-Appellees.

United States Court of Appeals, Seventh Circuit.

Decided February 23, 2009.

Attorney(s) appearing for the Case

Daniel A. Edelman, Attorney (argued), Edelman, Combs & Latturner, Chicago, IL, for Plaintiff-Appellant.

Richard E. Gottlieb, Attorney (argued), Dykema Gossett, Chicago, IL, for Defendants-Appellees.

Before BAUER, EVANS, and WILLIAMS, Circuit Judges.

EVANS, Circuit Judge.

Congress passed the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692, to curb abusive methods of debt collection. Central to this objective is the Act's requirement that debt collectors state only truthful information. Today we decide whether this requirement is violated when a collector, although accurately stating the amount demanded, breaks down the principal and interest components...

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