SUSAN L. CARNEY, Circuit Judge:
Matthew J. Hart sued FCI Lender Services, Inc. ("FCI"), his mortgage loan servicer and a debt collector, seeking damages under the Fair Debt Collection Practices Act ("FDCPA" or the "Act"), 15 U.S.C. § 1692 et seq., on behalf of himself and others similarly situated. Hart asserts that FCI violated the...
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