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JOHNSON v. MIDLAND FUNDING, LLC

No. 15-11240, No. 15-14116.

823 F.3d 1334 (2016)

Aleida JOHNSON, f.k.a. Aleida Hill, individually and on behalf of all similarly situated individuals, Plaintiff-Appellant, v. MIDLAND FUNDING, LLC, Defendant-Appellee. Judy N. Brock, individually and on behalf of a class of others similarly situated, Donald Cunningham, Plaintiffs-Appellants, v. Resurgent Capital Services, L.P., LVNV Funding, LLC, Defendants-Appellees.

United States Court of Appeals, Eleventh Circuit.

May 24, 2016.

Attorney(s) appearing for the Case

Daniel Luke Geyser , Peter K. Stris , Stris & Maher, LLP, Los Angeles, CA, Earl Price Underwood, Jr. , Underwood & Riemer, PC, Fairhope, AL, Kenneth J. Riemer , Kenneth J. Riemer Attorney at Law, Mobile, AL, for Plaintiff-Appellant (Case No. 15-11240).

Jason Brent Tompkins , Chase T. Espy , Balch & Bingham, LLP, Birmingham, AL, for Defendant-Appellee (Case No. 15-11240).

Earl Price Underwood, Jr. , Underwood & Riemer, PC, Fairhope, AL, Daniel Luke Geyser , Stris & Maher, LLP, Los Angeles, CA, Kenneth J. Riemer , Kenneth J. Riemer Attorney at Law, Mobile, AL, for Plaintiffs-Appellants (Case No. 15-14116).

Derek Wayne Edwards , Todd Ryan Hambidge , Waller Lansden Dortch & Davis, LLP, Nashville, TN, Larry Brittain Childs , Charles W. Prueter , Waller Lansden Dortch & Davis, LLP, Birmingham, AL, for Defendants-Appellees (Case No. 15-14116).

Brian Melendez , Dykema Gossett, PLLC, Minneapolis, MN, for Amicus Curiae ACA International.

Before WILSON, MARTIN and HIGGINBOTHAM, Circuit Judges.

Under the Bankruptcy Code ("Code"), a "creditor ... may file a proof of claim" in a bankruptcy proceeding. 11 U.S.C. § 501(a). The Fair Debt Collection Practices Act ("FDCPA") prohibits a "debt collector" from "us[ing] any false, deceptive, or misleading representation or means in connection with the collection of any...

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