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RICCIO v. SENTRY CREDIT, INC.

No. 18-1463.

954 F.3d 582 (2020)

Maureen RICCIO, on behalf of herself and all others similarly situated, Appellant v. SENTRY CREDIT, INC.; John Does 1-25.

United States Court of Appeals, Third Circuit.

Filed: March 30, 2020.

Attorney(s) appearing for the Case

Joseph K. Jones [ARGUED], Benjamin J. Wolf , Jones Wolf & Kapasi, 375 Passaic Avenue, Suite 100, Fairfield, NJ 07004, Counsel for Appellant.

Jacob C. Cohn [ARGUED], Gordon Reese Scully Mansukhani, Three Logan Square, 1717 Arch Street, Suite 610, Philadelphia, PA 19103, Peter G. Siachos , Gordon Reese Scully Mansukhani, 18 Columbia Turnpike, Suite 220, Florham Park, NJ 07932, Counsel for Appellee.

Before: SMITH, Chief Judge, McKEE, AMBRO, CHAGARES, JORDAN, HARDIMAN, GREENAWAY, JR., SHWARTZ, KRAUSE, RESTREPO, BIBAS, PORTER, MATEY, and PHIPPS, Circuit Judges.

OPINION OF THE COURT

This case presents a question of statutory interpretation: does 15 U.S.C. § 1692g(a)(3) allow debtors to orally dispute a debt's validity?

It also presents a question of stare decisis: should our en banc Court resolve a circuit conflict by overturning a three-decades-old panel decision...

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