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EVANS v. PORTFOLIO RECOVERY ASSOCIATES, LLC

Nos. 17-1773, 17-1860, 17-1866, 17-2622, 17-2756 & 18-1374.

889 F.3d 337 (2018)

Katherine EVANS, Plaintiff-Appellee, v. PORTFOLIO RECOVERY ASSOCIATES, LLC, Defendant-Appellant. and Lusvina Paz, Plaintiff-Appellee, v. Portfolio Recovery Associates, LLC, Defendant-Appellant. and Peter Bowse, Plaintiff-Appellee, v. Portfolio Recovery Associates, LLC, Defendant-Appellant. and Evelyn Gomez, Plaintiff-Appellee, v. Portfolio Recovery Associates, LLC, Defendant-Appellant.

United States Court of Appeals, Seventh Circuit.

Decided May 2, 2018.

Attorney(s) appearing for the Case

Bryan Paul Thompson , Attorney, CHICAGO CONSUMER LAW CENTER, P.C., Chicago, IL, Michael Hilicki , Attorney, KEOGH LAW, LTD., Chicago, IL, for Plaintiffs-Appellees.

David M. Schultz , Attorney, HINSHAW & CULBERTSON LLP, Chicago, IL, Stephen R. Swofford , Attorney, HINSHAW & CULBERTSON LLP, Chicago, IL, for Defendant-Appellant.

Brian Melendez , Attorney, BARNES & THORNBURG LLP, Minneapolis, MN, for Amicus Curiae ACA INTERNATIONAL.

Bryan Paul Thompson , Attorney, CHICAGO CONSUMER LAW CENTER, P.C., Chicago, IL, for Plaintiff-Appellee PETER BOWSE.

Before Wood, Chief Judge, and Flaum and Easterbrook, Circuit Judges.

This appeal concerns four consolidated cases involving similar alleged violations of the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. § 1692e(8). Plaintiffs defaulted on credit cards, and defendant Portfolio Recovery Associates ("PRA"), an Illinois debt collection agency, bought the accounts for collection....

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