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PANTOJA v. PORTFOLIO RECOVERY ASSOCIATES, LLC

No. 15-1567.

852 F.3d 679 (2017)

Manuel PANTOJA, Plaintiff-Appellee, v. PORTFOLIO RECOVERY ASSOCIATES, LLC, Defendant-Appellant.

United States Court of Appeals, Seventh Circuit.

Decided March 29, 2017.

Attorney(s) appearing for the Case

Matthew Henry Hector , Attorney, Sulaiman Law Group, Ltd., Oak Brook, IL, Plaintiff-Appellee.

Joel D. Bertocchi , Attorney, Hinshaw & Culbertson LLP, Chicago, IL, for Defendant-Appellant.

Before Kanne, Rovner, and Hamilton, Circuit Judges.

Back in 1993, according to defendant Portfolio Recovery Associates, plaintiff Manuel Pantoja incurred a debt for a Capital One credit card that he applied for but never actually used. Twenty years later, long after the statute of limitations had run, Portfolio Recovery had bought Capital One's rights to this old debt and...

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