White v. AES
ORDER Accepting Report and Recommendation 15 and Granting Defendant's Motion to Dismiss 10 . Signed by District Judge Laurie J. Michelson. (EPar)
Case 2:21-cv-10349-LJM-KGA ECF No. 16, PageID.315 Filed 01/10/22 Page 1 of 3
UNITED STATES DISTRICT COURT
EASTERN DISTRICT OF MICHIGAN
Case No. 21-10349
Honorable Laurie J. Michelson
Magistrate Judge Kimberly G. Altman
ORDER ACCEPTING REPORT AND RECOMMENDATION  AND
GRANTING DEFENDANT’S MOTION TO DISMISS 
Renee White is suing American Education Services (AES), her student loan
service provider, for communicating with her and her daughter, Sharon Ricks,
regarding her student loans. Specifically, AES sent White and Ricks four
communications that form the basis of White’s complaint: one asking White for
updated contact information, one regarding a consumer experience survey, and two
sending the same letter incorrectly stating that White is deceased. White says that
because her and Ricks both filed for Chapter 7 bankruptcy, AES was not permitted
to contact them about her student loans and violated the bankruptcy court’s stay by
doing so. (ECF No. 1, PageID.20–21.) White also asserts that AES’ communications
violated the Fair Debt Collection Practices Act (id. at PageID.21–23) and the
Michigan Regulation Collection Practices Act (id. at PageID.24) and constitutes a
number of state-law torts (id. at PageID.25–34). AES filed a motion to dismiss all
counts. (ECF No. 10.) Before the Court is Magistrate Judge Altman’s Report and
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Recommendation recommending AES’ motion be granted and the case be dismissed.
(ECF No. 15, PageID.312.)
At the conclusion of the December 22, 2021 Report and Recommendation,
Magistrate Judge Altman notified the parties that they were required to file any
objections within fourteen days of service, as provided in Federal Rule of Civil
Procedure 72(b)(2) and Eastern District of Michigan Local Rule 72.1(d), and that
“[f]ailure to file specific objections constitutes a waiver of any further right of appeal.”
(ECF No. 15, PageID.312–313.) It has now been more than fourteen days since the
Report was served on the parties. No objections have been filed.
The Court finds that the parties’ failure to object is a procedural default,
waiving review of the Magistrate Judge’s findings by this Court. In United States v.
Walters, 638 F.2d 947, 949–50 (6th Cir. 1981), the Sixth Circuit established a rule of
procedural default, holding that “a party shall file objections with the district court
or else waive right to appeal.” And in Thomas v. Arn, 474 U.S. 140, 144 (1985), the
Supreme Court explained that the Sixth Circuit’s waiver-of-appellate-review rule
rested on the assumption “that the failure to object may constitute a procedural
default waiving review even at the district court level.” 474 U.S. at 149; see also
Garrison v. Equifax Info. Servs., LLC, No. 10-13990, 2012 WL 1278044, at *8 (E.D.
Mich. Apr. 16, 2012) (“The Court is not obligated to review the portions of the report
to which no objection was made.” (citing Thomas, 474 U.S. at 149–52)). The Supreme
Court further held that this rule violates neither the Federal Magistrates Act nor the
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The Court therefore finds that the parties have waived further review of the
Magistrate Judge’s Report and accepts the recommended disposition. (ECF No. 15.)
It follows that Defendant’s Motion to Dismiss (ECF No. 10) is GRANTED.
Dated: January 10, 2022
s/Laurie J. Michelson
LAURIE J. MICHELSON
UNITED STATES DISTRICT JUDGE
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