LAWRENCE F. STENGEL, District Judge.
Gregory Murphy filed this lawsuit on July 2, 2012, against The Receivable Management Services Corporation (Receivable). He alleged violations of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq. On August 31, 2012, Receivable made an offer of judgment, which Murphy accepted. Receivable's offer provided in relevant part: