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HOPKINS v. COLLECTO, INC.

No. 20-1955.

994 F.3d 117 (2021)

Randy HOPKINS, Individually and on behalf of those similarly situated, Appellant v. COLLECTO, INC., dba EOS CCA; US Asset Management, Inc.; John Does 1 To 10.

United States Court of Appeals, Third Circuit.

Filed April 12, 2021.

Attorney(s) appearing for the Case

Yongmoon Kim   Evan W. Lehrer   Philip D. Stern THE KIM LAW FIRM LLC 411 Hackensack Avenue, Suite 701 Hackensack, NJ 07601 Counsel for Appellant.

Lawrence J. Bartel   Andrew M. Schwartz GORDON REES SCULLY MANSUKHANI, LLP Three Logan Square 1717 Arch Street, Suite 610 Philadelphia PA 19103 Counsel for Appellees.

Derick K. Sohn, Jr CONSUMER FINANCIAL PROTECTION BUREAU 1700 G Street, N.W. Washington DC 20552 Counsel for Amicus Appellee.

Before: SMITH, Chief Judge, HARDIMAN and ROTH, Circuit Judges.

OPINION OF THE COURT

Is there anything materially deceptive or misleading about a debt collection letter that accurately itemizes a debt as including "$0.00" in interest and fees when the debt cannot accrue interest and fees? To ask the question is essentially to answer it. Even our case law's hypothetical "least sophisticated...

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