MEMORANDUM OF DECISION & ORDER
ARTHUR D. SPATT, District Judge.
The Plaintiff, Joseph Marcario, ("Marcario" or the "Plaintiff") commenced this action against the Defendants, Midland Credit Management, Inc. ("MCM"), and Midland Funding, LLC ("Midland Funding") (collectively "Midland" or the "Defendants") alleging violations of the Fair...
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