KANNE, Circuit Judge.
Grant E. Bentrud owes Capital One Bank, N.A. ("Capital One"), money — $10,955.20 to be exact. He amassed that debt on his credit card, and he does not dispute it here. Bentrud's dispute instead concerns the manner in which Capital One's lawyers attempted to collect the debt. The way he sees it, Bowman, Heintz, Boscia...
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