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HEREDIA v. CAPITAL MANAGEMENT SERVICES, L.P.

No. 19-1296.

942 F.3d 811 (2019)

Mabel L. HEREDIA, Plaintiff-Appellant, v. CAPITAL MANAGEMENT SERVICES, L.P., Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided November 8, 2019.

Attorney(s) appearing for the Case

Francis R. Greene , Philip D. Stern , Andrew T. Thomasson , Attorneys, STERN THOMASSON LLP, Springfield, NJ, for Plaintiff-Appellant.

James K. Schultz , Attorney, SESSIONS, FISHMAN, NATHAN & ISRAEL, LLC, San Diego, CA, Morgan Ian Marcus , Attorney, SESSIONS, FISHMAN, NATHAN & ISRAEL, LLC, Chicago, IL, for Defendant-Appellee.

Before Wood, Chief Judge, and Manion and Rovner, Circuit Judges.

Capital Management Services, L.P. (CMS) is a debt collector, and therefore regularly sends out dunning letters to debtors hoping to collect past-due debts. The Fair Debt Collection Practices Act (FDCPA) highly regulates the content of those letters to prevent debt collectors from using abusive practices that prey on vulnerable...

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