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SCHULTZ v. MIDLAND CREDIT MANAGEMENT, INC.

Case No. 17-2244.

905 F.3d 159 (2018)

Robert A. SCHULTZ, Jr.; Donna Schultz, on behalf of themselves and those similarly situated, Appellants v. MIDLAND CREDIT MANAGEMENT, INC.; John Does 1-10

United States Court of Appeals, Third Circuit.

Opinion Filed: September 24, 2018.

Attorney(s) appearing for the Case

Cary L. Flitter, Esq. , Andrew M. Milz, Esq. [ARGUED], Flitter Milz, 450 North Narberth Avenue, Suite 101, Narberth, PA 19072, Yongmoon Kim, Esq. , Kim Law Firm, 411 Hackensack Avenue, Suite 701, Hackensack, NJ 07601, Counsel for Plaintiffs-Appellants Robert A. Schultz, Jr. and Donna Schultz.

Han Sheng Beh, Esq. , Ellen B. Silverman, Esq. , Hinshaw & Culbertson, 800 Third Avenue, 13th Floor, New York, NY 10022, Joel D. Bertocchi, Esq. , David M. Schultz, Esq. [ARGUED], Hinshaw & Culbertson, 151 North Franklin Street, Suite 2500, Chicago, IL 60606, Counsel for Defendant-Appellee Midland Credit Management, Inc.

Before: HARDIMAN, VANASKIE, and SHWARTZ, Circuit Judges.

OPINION OF THE COURT

The question before us in this matter is whether a statement in a debt collection letter to the effect that forgiveness of the debt may be reported to the Internal Revenue Service constitutes a violation of the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. § 1692 et seq.<...

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