Cindy J. Cook v. Anthony A. Petrocchi, et al



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United States Court of Appeals FOR THE EIGHTH CIRCUIT ___________ No. 11-1028 ___________ Cindy J. Cook, * * Plaintiff - Appellant, * * Appeal from the United States v. * District Court for the * District of Minnesota. Anthony A. Petrocchi; Anthony A. * Petrocchi, P.C., * [UNPUBLISHED] * Defendants - Appellees. * ___________ Submitted: November 14, 2011 Filed: January 9, 2012 ___________ Before WOLLMAN, MURPHY, and BENTON, Circuit Judges. ___________ PER CURIAM. Cindy J. Cook appeals the district court’s1 dismissal of her complaint alleging violations of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692e. In 2007, Cook obtained a mortgage loan. Real Time Resolutions (RTR) was the loan servicer. In August 2009 – and again in March 2010 – attorney Anthony A. Petrocchi wrote Cook for his client, RTR, stating that RTR had tried to contact her to collect 1 The Honorable Ann D . Montgomery, United States District Judge for the District of Minnesota. Appellate Case: 11-1028 Page: 1 Date Filed: 01/09/2012 Entry ID: 3866832 payment on the mortgage and that failure to respond to the letters “may result in RTR filing legal action” against her. Cook sued, alleging the letters violated the FDCPA. The district court dismissed Cook’s complaint for failure to state a claim under Federal Rule of Civil Procedure 12(b)(6) and Ashcroft v. Iqbal, 129 S. Ct. 1937, 1949 (2009). We review de novo a district court’s dismissal under Rule 12(b)(6). See Van Zee v. Hanson, 630 F.3d 1126, 1128 (8th Cir. 2011) (citing Gregory v. Dillard’s, Inc., 565 F.3d 464, 472 (8th Cir. 2009) (en banc)). Having reviewed the record and considered Cook’s arguments, we affirm on the basis of the analysis set forth in the district court’s thorough memorandum opinion and order. See 8th Cir. R. 47B. ______________________________ -2- Appellate Case: 11-1028 Page: 2 Date Filed: 01/09/2012 Entry ID: 3866832

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