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EDWARDS v. NIAGARA CREDIT SOLUTIONS, INC.

No. 08-17006.

584 F.3d 1350 (2009)

Brenda EDWARDS, Plaintiff-Appellee, v. NIAGARA CREDIT SOLUTIONS, INC., a New York corporation, Defendant-Appellant.

United States Court of Appeals, Eleventh Circuit.

October 14, 2009.

Attorney(s) appearing for the Case

Michael D. Robl, Thomerson, Spears & Robl, LLC, Decatur, GA, for Defendant-Appellant.

Kris Skaar, Skaar & Feagle, LLP, Marietta, GA, James Marvin Feagle, Skaar & Feagle, LLP, Decatur, GA, for Edwards.

Before CARNES, FAY and ALARCÓN, Circuit Judges.

CARNES, Circuit Judge:

In an oft-repeated statement from the Vietnam War, an unidentified American military officer reputedly said that "we had to destroy the village to save it."1 That oxymoronic explanation may be apocryphal, but the debt collection agency in this case offers up much the same logic to explain why it violated the Fair Debt Collection Practices Act: it was necessary to violate the Act in order to comply with the Act.<...

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