MEMORANDUM OPINION
ELLEN LIPTON HOLLANDER, District Judge.
This case arises out of attempts by defendant Thieblot Ryan P.A. ("Thieblot Ryan"), a Baltimore law firm, to collect a debt allegedly owed to Bank of America by plaintiff, Alexander Young, in connection with his overdrawn checking account. On June 8, 2011, Young filed suit against Thieblot Ryan under the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. §§ 1692 et seq.
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