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MUHA v. ENCORE RECEIVABLE MANAGEMENT, INC.

No. 07-3581.

558 F.3d 623 (2009)

Charlotte V. MUHA and Mary Cajski, on behalf of themselves and all others similarly situated, Plaintiffs-Appellants, v. ENCORE RECEIVABLE MANAGEMENT, INC., Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided March 10, 2009.

Attorney(s) appearing for the Case

John D. Blythin (argued), Corey M. Mather, Ademi & O'Reilly, Cudahy, WI, for Plaintiffs-Appellants.

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

Before POSNER, KANNE, and TINDER, Circuit Judges.

POSNER, Circuit Judge.

The Fair Debt Collection Practices Act, so far as relates to this case, forbids a debt collector (which the defendant is) to "use any false, deceptive, or misleading representation... in connection with the collection of any debt." 15 U.S.C. § 1692e. The defendant sent a dunning letter to credit card debtors, including the plaintiffs and the 7,000 or so other members of the class that the plaintiffs represent, which states (with irrelevant...

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