United States Seventh Circuit

A letter from a firm representing creditors in consumer bankruptcies that is sent to a consumer who has not yet petitioned for bankruptcy relief is not an "initial communication" in violation of the Fair Debt Collection Practices Act, where the letter neither demands nor asks for payment.

Appellate Information

• Argued 01/08/2001
• Decided 05/07/2001
• Published 05/07/2001

Judges

• POSNER, Circuit Judge., Before POSNER, MANION, and KANNE, Circuit Judges.

Court

• United States Seventh Circuit

Counsel

• For Appellant:
  
• Daniel A. Edelman, argued, Edelman, Combs & Latturner, Chicago, IL, for Plaintiff-Appellant., Elizabeth M. Budzinski, argued, Bennett R. Heller, Wilson, Elser, Moskowitz, Edelman & Dicker, Chicago, IL, for Bass & Associates, Patti H. Bass.