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LOX v. CDA, LTD.

No. 11-2729.

689 F.3d 818 (2012)

Jeffrey LOX, Plaintiff-Appellant, v. CDA, LIMITED, doing business as Creditors Discount & Audit Company, Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided August 2, 2012.

Attorney(s) appearing for the Case

Craig M. Shapiro (argued), Attorney, Keogh Law, Ltd., Chicago, IL, for Plaintiff-Appellant.

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

Before POSNER, FLAUM, and WOOD, Circuit Judges.

FLAUM, Circuit Judge.

In 2005, Jeffrey Lox received medical treatment from Dr. Mark Baylor, and as a result, he incurred a debt. Lox failed to pay, and so his debt was referred by Dr. Baylor to Creditors Discount & Audit Company ("CDA"), a debt collection agency. One of the ways by which CDA attempted to collect Lox's debt was through dunning letters, and one of those dunning letters included a warning that failure to pay his debt could lead to a lawsuit brought...

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