United States Seventh Circuit

In a suit alleging that form dunning letters sent to plaintiffs violated certain provisions of the Fair Debt Collection Practices Act, summary judgment for defendants is affirmed where: 1) a collection letter does not need to include the entire credit card balance as the "amount of the debt" in order to comply with FDCPA section 809; 2) the letters met the clarity standard; and 3) an unsophisticated consumer would not believe a statement in the letters to mean that payment of the current amount due would terminate all further obligations.

Appellate Information

• Argued 05/21/2007
• Decided 07/12/2007
• Published 07/12/2007

Judges

• EVANS, Circuit Judge., Before RIPPLE, WOOD, and EVANS, Circuit Judges.

Court

• United States Seventh Circuit

Counsel

• For Appellant:
  
• Robert K. O'Reilly (argued), Ademi & O'Reilly, Cudahy, WI, for Plaintiffs-Appellants.


• For Appellees:
  
• Ross A. Anderson (argued), Whyte Hirschboeck Dudek, Milwaukee, WI, for Defendant-Appellee.