No. 09-4220.

681 F.3d 355 (2012)

Lisa BRIDGE; William W. Bridge, III, Plaintiffs-Appellants, v. OCWEN FEDERAL BANK, FSB; Ocwen Financial Corporation; Ocwen Loan Servicing, LLC; Aames Capital Corporation; Firstar Bank, nka U.S. Bancorp; Ocwen Federal Loan Servicing Company; Deutsche Bank National Trust Co., fka Bankers Trust Company of California, Defendants-Appellees.

United States Court of Appeals, Sixth Circuit.

April 30, 2012.

Attorney(s) appearing for the Case

ON BRIEF: Charles E. Ticknor, III , Martha Van Hoy Asseff , Dinsmore & Shohl, LLP, Columbus, Ohio, for Appellees. Lisa Bridge, William W. Bridge, III, Novelty, Ohio, pro se.

STRANCH, J., delivered the opinion of the court, in which BARRETT, D.J., joined. CLAY, J. (pp. 364-67) delivered a separate opinion concurring in part.


JANE B. STRANCH, Circuit Judge.

The Fair Debt Collection Practices Act was passed to protect consumers against both abusive and mistaken collection activity. This case reveals why. It began with seemingly innocuous accounting errors on the part of a bank that were corrected. Despite repeated proof of that correction, unremitting collection activity was undertaken, foreclosure proceedings were instituted, and the credit of two consumers was seriously...

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