HUNSTEIN v. PREFERRED COLLECTION AND MANAGEMENT SERVICES INC (2021)

United States Court of Appeals, Eleventh Circuit.

Richard HUNSTEIN, Plaintiff-Appellant, v. PREFERRED COLLECTION AND MANAGEMENT SERVICES, INC., Defendant-Appellee.

No. 19-14434

Decided: November 17, 2021

Before WILLIAM PRYOR, Chief Judge, WILSON, JORDAN, ROSENBAUM, JILL PRYOR, NEWSOM, BRANCH, GRANT, LUCK, LAGOA, and BRASHER, Circuit Judges.

Thomas Martin Bonan, Seraph Legal, PA, Tampa, FL, for Plaintiff-Appellant. Richard Jay Perr, Kaufman Dolowich Voluck, Philadelphia, PA, Robert Alexander Vigh, Solomon Vigh & Springer, PA, Tampa, FL, for Defendant-Appellee. Shay Dvoretzk, Parker Andrew Rider-Longmaid, Skadden Arps Slate Meagher & Flom, LLP, Washington, DC, for Amicus Curiae ACA International. Kirsten H. Smith, Sessions Israel & Shartle, LLC, Metairie, LA, for Amici Curiae Alltran Financial, LP, Nationwide Credit, Inc, Radius Global Solutions, LLC, Transworld Systems Inc. Mitchell L. Williamson, Barron & Newburger, PC, Somerset, NJ, for Amicus Curiae American Association of Healthcare Administrative Management. R. Aaron Chastain, Stephen Colmery Parsley, Bradley Arant Boult Cummings, LLP, Birmingham, AL, for Amici Curiae American Bankers Association, American Financial Association, Chamber of Commerce of the United States of America, Consumer Bankers Association, Credit Union National Association. Lauren Marshall Burnette, Messer Strickler, Ltd., Jacksonville, FL, for Amici Curiae Arizona Creditors Bar Association, Attorneys Association of Alabama, Inc, California Creditors Bar Association, Colorado Creditors Bar Association, Inc, Creditors Rights Attorney Association Nevada. Bryan Christopher Shartle, Kirsten H. Smith, Sessions Israel & Shartle, LLC, Metairie, LA, for Amicus Curiae Credence Resource Management, LLC. Scott Stephen Gallagher, Smith Gambrell & Russell, LLP, Jacksonville, FL, for Amicus Curiae Enhanced Recovery Company, LLC. Ronald S. Canter, The Law Offices of Ronald S. Canter, LLC, Rockville, MD, for Amicus Curiae Florida Creditors Bar Association. Jadd Fitzgerald Masso, Clark Hill Strasburger, Dallas, TX, Leslie Carol Bender, Senior Counsel, Clark Hill, PLC, Washington, DC, for Amicus Curiae LiveVox, Inc. William J. Denius, Killgore Pearlman Semanie Denius & Squires, PA, Orlando, FL, for Amicus Curiae Missouri Creditors, Inc. Manuel Newburger, Attorney, Barron & Newburger PC, Greystone II, Austin, TX, for Amicus Curiae National Association of Professional Process Servers, the National Creditors Bar Association. Brit J. Suttell, Barron & Newburger, PC, Media, PA, for Amicus Curiae New York State Creditors Bar Association. John Henry Bedard, Jr., Michael Kevin Chapman, Bedard Law Group, PC, Duluth, GA, for Amicus Curiae Print and Mail Vendor Coalition. Donald S. Maurice, Jr., Maurice Wutscher, LLP, Flemington, NJ, Jason Brent Tompkins, Jonathan P. Hoffmann, Balch & Bingham, LLP, Birmingham, AL, Martin Brent Yarborough, Maurice Wutscher, LLP, Birmingham, AL, for Amicus Curiae Receivables Management Association International, Inc. Stefanie H. Jackman, Ballard Spahr, LLP, Atlanta, GA, for Amicus Curiae RevSpring, Inc. Keith Jerrod Barnett, Troutman Pepper Hamilton Sanders, LLP, Atlanta, GA, Ethan G. Ostroff, Troutman Pepper Hamilton Sanders, LLP, Virginia Beach, VA, Misha Tseytlin, Troutman Pepper Hamilton Sanders, LLP, Chicago, IL, for Amicus Curiae Third Party Payment Processors Association.