OPINION
SUTTON, Circuit Judge.
Christopher Hrivnak sued several debt-management companies and a law firm, (1) claiming they violated federal and state law when they dunned him on several credit-card debts and (2) seeking to obtain monetary and injunctive relief on behalf of a class of like-situated individuals. In response, the defendants gave Hrivnak an offer he could not refuse — $7,000 plus reasonable costs and attorney's fees — or so they...
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