Ford v. Principal Recovery Group, Inc.

Filing 66

DECISION AND ORDER granting Defendant's 32 MOTION for Summary Judgment and dismissing Plaintiff's Complaint. Defendant's 29 MOTION for Sanctions is Denied, and Plaintiff's 57 MOTION to Strike 34 Affidavit of Timothy Mahoney is denied as moot. Signed by Hon. John T. Curtin on 3/15/2012. (JEC)

UNITED STATES DISTRICT COURT
WESTERN DISTRICT OF NEW YORK

LYNEISHA FORD,
Plaintiff,
-vs-

09-CV-627-JTC

PRINCIPAL RECOVERY GROUP, INC.
Defendant .

APPEARANCES:

LAW OFFICES OF KENNETH R. HILLER (SETH ANDREWS,
ESQ., Of Counsel), Amherst, New York, Attorneys for Plaintiff.
CONNORS & VILARDO, LLP (TERRENCE M. CONNORS, ESQ.
and VINCENT E. DOYLE, ESQ., Of Counsel), Buffalo, New York,
Attorneys for the Law Offices of Kenneth R. Hiller.
HOGANWILLIG (STEVEN M. COHEN, ESQ., Of Counsel),
Getzville, New York, Attorneys for Defendant.

INTRODUCTION
Plaintiff Lyneisha Ford commenced this action against defendant Principal
Recovery Group, Inc. on June 17, 2009, alleging that defendant’s verbal and written
attempts to collect overdue debts violated the Fair Debt Collection Practices Act
(“FDCPA”), 15 U.S.C. §§ 1692e, e(4), e(5), e(10) and e(11). On November 26, 2010,
defendant moved for summary judgment to dismiss these claims pursuant to Federal
Rule of Civil Procedure 56, for attorney’s fees pursuant to 15 U.S.C. § 1692k(a)(3), for
costs pursuant to Federal Rule of Civil Procedure 37(c)(2), for costs and attorney’s fees

to be paid by plaintiff’s counsel pursuant to 28 U.S.C. § 1927, and for sanctions
pursuant to Federal Rule of Civil Procedure 11 (Items 29, 32). On November 29, 2010,
plaintiff moved to stay defendant’s summary judgment motion pending the deposition of
Dr. Timothy Mahoney, plaintiff’s dentist and creditor (Item 40). By order of the Hon.
William M. Skretny, Chief United States District Judge, dated September 23, 2011
(Item 46), this matter was reassigned to the undersigned for all further proceedings. On
September 29, 2011, this court denied plaintiff’s motion for a stay and granted
defendant’s motions for summary judgment, for costs pursuant to Federal Rule of Civil
Procedure 37(c)(2), and for sanctions pursuant to Federal Rule of Civil Procedure 11,
but denied defendant’s motion for FDCPA attorney’s fees and for costs pursuant to 28
U.S.C. § 1927 (Item 47).
Plaintiff moved to vacate the summary judgment and sanctions order on October
27, 2010, stating that she did not file papers to oppose defendant’s motions because
she was awaiting this court’s ruling on the stay motion (Item 52). On November 4,
2011, this court vacated the September 30, 2011 summary judgment and sanctions
order to provide plaintiff with the opportunity to file responses to defendant’s motions
(Item 54). On December 5, 2011, plaintiff filed responses to defendant’s motion for
sanctions and summary judgment (Items 55, 56), and moved to strike the affidavit of Dr.
Timothy Mahoney (Item 57).
Presently before the court are defendant’s motions for summary judgment and
for sanctions, and plaintiff’s motion to strike Dr. Mahoney’s affidavit accompanying
defendant’s summary judgment motion.

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BACKGROUND and FACTS
Plaintiff Lyneisha Ford obtained dental services from Dr. Timothy Mahoney on or
about January 3, 2007 and was charged $180.39 (Item 34, ¶¶ 3, 4). Plaintiff, by her
own admission, did not pay her bill (Item 32, Exh. E, pp. 31-32). Subsequently, Dr.
Mahoney referred his unpaid accounts to defendant Principal Recovery Group, Inc. for
collection, including plaintiff’s unpaid dental services bill (Item 34, ¶ 13).
Defendant made its initial attempt to collect plaintiff’s unpaid debt by mailing a
collection letter to her advising her of the unpaid status of her account on January 17,
2008 (Item 30, Exh. A). Plaintiff admitted receiving this letter, but did not respond to it
(Item 32, Exh. E, pp. 33-34). Defendant sent another collection letter to plaintiff on
March 19, 2009, again advising her of the unpaid status of her account (Item 30, Exh.
B). The letter stated that “[t]his is an attempt to collect a debt. Any information obtained
will be used for that purpose.” Id. Plaintiff telephoned defendant to discuss the debt on
April 1, 2009 in an attempt to reach a settlement (Item 32, Exh E, p. 61). During the
conversation with an employee of the defendant, plaintiff informed the debt collector that
she would speak with Dr. Mahoney about the status of the debt and call defendant’s
office back. Id., p. 50-51.
Later that day, plaintiff called defendant again and spoke with Eva Toy, a debt
collector employed by defendant. Plaintiff stated that she recorded the telephone call
with a cellular telephone recording device (Item 32, Exh. E, p. 51-52). The recording
device was unable to record plaintiff’s voice, however, so only Ms. Toy’s responses
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were recorded and transcribed. Id., p. 53. Below are the relevant statements made by
Ms. Toy that plaintiff alleges violate the FDCPA:
Right, yeah if it is not collected he sends it to his attorney and then they file. And
then if they, if they … yeah exactly, they give a judgment and then it gets taken
out of your, if you’re employed it gets taken out of your employment check. …
We are a collection agency. So, at this point we have thirty (30) days before it
gets posted to your credit history. And then it goes back. …
And they, I just received it in my office today. So, we usually give thirty days to
see if the debtor is willing to pay. If not, then we post it to your, they don’t post it,
we post it to your credit report.
Usually they keep it in there (sic) office to see if you are willing to attempt to pay
it. … However, if the patient is not willing to settle the matter then what they do is
send it to collections and then after, you know, if the debtor is willing to pay great.
If not, what they do is they just do a judgment and they send it to court. They get
a judgment and they garnish your wages. …
(Item 32, Exh. C).
Plaintiff commenced this action June 17, 2009, alleging that the aforementioned
statements by Ms. Toy violated the FDCPA (Item 1, ¶ 22). Specifically, plaintiff alleged
that defendant violated: 15 U.S.C. §§ 1692e and e(11) “by not stating in the initial oral
communication with [p]laintiff that the communication was from a debt collector in an
attempt to collect a debt”; 15 U.S.C. §§ 1692e and e(10) “by falsely and deceptively
stating that the [overdue account] had just come into their office, when in fact
[d]efendant had the account for over a year”; 15 U.S.C. §§ 1692e, e(4), and e(5) “by
stating nonpayment of the debt will result in garnishment of her wages, an action
[d]efendant d[id] not intend to pursue and cannot legally pursue.” Id..
On August 27, 2010, after depositions of Ms. Toy and the collection agency
owner were conducted, defendant wrote a letter to plaintiff’s counsel demanding that

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plaintiff withdraw “this frivolous lawsuit,” and warned that defendant would seek
sanctions if plaintiff did not withdraw the action (Item 32-3, Exh. I). Plaintiff responded
on September 9, 2010 by filing a motion to dismiss her claim for actual damages (Item
20).1
On October 28, 2010, defendant served plaintiff with notice of its intent to file a
motion for sanctions pursuant to Federal Rule of Civil Procedure 11, alleging that
plaintiff and her counsel were well-versed in the FDCPA and knew from the inception of
this action that her claims had no factual basis (See generally Item 29, pp. 8-15).
Shortly thereafter, on November 4, 2010, plaintiff filed a motion to dismiss her 15 U.S.C.
§ 1692e(11) claim, in which she alleged that defendant’s employee did not disclose to
plaintiff that she was, in fact, a debt collector during their initial phone conversation
(Item 27).2 However, plaintiff did not withdraw her other claims. Id.
On November 26, 2010, defendant moved: for summary judgment pursuant to
Federal Rule of Civil Procedure 56 seeking dismissal of the remainder of plaintiff’s
FDCPA claims; for attorneys’ fees pursuant to the FDCPA because plaintiff’s case was
filed in bad faith: for costs pursuant to Federal Rule of Civil Procedure 37(c)(2) because
plaintiff failed to disclose information in response to defendant’s request for admissions;
for costs and attorney’s fees to be paid by plaintiff’s counsel pursuant to 28 U.S.C. §
1927, and; for sanctions pursuant to Federal Rule of Civil Procedure 11 (Item 32; Item

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Chief Judge W illiam M. Skretny granted this m otion Septem ber 17, 2010 (Item 28).

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Chief Judge W illiam M. Skretny granted this m otion Novem ber 8, 2010 (Item 28).

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29). Plaintiff responded by filing a motion to stay the summary judgment motion
pending the extension of discovery to depose Dr. Mahoney (Item 40).
While these motions were pending, this action was transferred to this court by
order of Chief Judge William M. Skretny on September 23, 2011 (Item 46). This court
reviewed the pending motions in their entirety and issued an order on September 30,
2011, which: denied plaintiff’ motion to stay the summary judgment motion pending the
extension of discovery to depose Dr. Mahoney; granted defendant’s motion for
summary judgment; and granted defendant’s motion for sanctions pursuant to Rule 11
(Item 49). On October 27, 2010, plaintiff moved to vacate the summary judgment and
sanctions order pursuant to Rule 59(e) (Item 52), stating that she did not file papers to
oppose defendant’s summary judgment motion because she was awaiting this court’s
ruling on the stay motion (Item 52, ¶ 17). On November 4, 2011, this court vacated the
September 29, 2011 summary judgment and sanctions order to provide plaintiff with the
opportunity to file responses to defendant’s motions (Item 54). On December 5, 2011,
plaintiff moved to strike paragraphs 6-12 of the affidavit of Dr. Mahoney from
defendant’s motion for summary judgment (Item 57), and filed responses in opposition
to defendant’s motions for summary judgment and for sanctions (Items 55, 56).
Defendant filed a response to the motion to strike the affidavit on December 19, 2011
(Item 59) and replies in support of its motions for sanctions and for summary judgment
on December 20, 2011 (Items 61, 63). The court determined that oral argument was
not necessary. For the following reasons, defendant’s motion for summary judgment is

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granted and the complaint is dismissed, plaintiff’s motion to strike the affidavit of Dr.
Mahoney is denied as moot, and defendant’s motion for sanctions is denied.

DISCUSSION
I.

Summary Judgment
Federal Rule of Civil Procedure 56(a) provides that summary judgment is

warranted where “there is no genuine dispute as to any material fact. . ..” Fed R. Civ. P.
56(a). An issue is “genuine” if “the evidence is such that a reasonable jury could return
a verdict for the nonmoving party,” and facts are “material” if they “might affect the
outcome of the suit under the governing law.” Anderson v. Liberty Lobby, Inc., 477 U.S.
242, 248 (1986).
The movant bears the burden of showing the absence of a genuine issue of
material fact, and the proffered evidence must be viewed in the light most favorable to
the nonmovant. See Adickes v. S. H. Kress & Co., 398 U.S. 144, 157 (1970). If the
movant meets this burden, the burden then shifts to the nonmovant to come forward
with evidence “sufficient to satisfy every element of the claim.” Holcomb v. Iona Coll.,
521 F.3d 130, 137 (2d Cir. 2008).
Mere “conclusory statements, conjecture, or speculation by the party resisting the
motion will not defeat summary judgment.” Kulak v. City of New York, 88 F.3d 63, 71
(2d Cir.1996) (citing Matsushita Elec. Indus. Co. v. Zenith Radio Corp., 475 U.S. 574,
587 (1986)). “An opposing party's facts must be material and of a substantial nature,

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not fanciful, frivolous, gauzy, spurious, irrelevant, gossamer inferences, conjectural,
speculative, nor merely suspicions.” Contemporary Mission, Inc. v. U.S. Postal Serv.,
648 F.2d 97, 107 n.14 (2d Cir.1981).
II.

FDCPA Claims: 15 U.S.C. §§ 1692e, e(10), e(4), and e(5).
Plaintiff’s claims before this court are that defendant violated 15 U.S.C. §§

1692e, e(10), e(4), and e(5). The court will address these claims in turn.
Congress enacted the FDCPA “to eliminate abusive debt collection practices by
debt collectors, to insure that those debt collectors who refrain from using abusive debt
collection practices are not competitively disadvantaged, and to promote consistent
State action to protect consumers against debt collection abuses.” 15 U.S.C. § 1692(e).
The FDCPA “establishes certain rights for consumers whose debts are placed in the
hands of professional debt collectors for collection, and requires that such debt
collectors advise the consumers whose debts they seek to collect of specified rights.”
DeSantis v. Computer Credit, Inc., 269 F.3d 159, 161 (2d Cir. 2001).
In this Circuit, the question of whether a debt collector's communication violates
the FDCPA is determined from the perspective of the “least sophisticated consumer,” in
an effort to ensure that gullible and shrewd consumers alike are protected from abusive
debt collection practices. Clomon v. Jackson, 988 F.2d 1314, 1318 (2d Cir. 1993).
While this standard protects the “uninformed, naive, or trusting” consumer, it also
“protects debt collectors against liability for bizarre or idiosyncratic interpretations of
collection notices.” Spira v. Ashwood Fin., Inc., 358 F.Supp.2d 150, 156 (E.D.N.Y.
2005) (citations omitted).
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Under the FDCPA, debt collectors are prohibited from using “any false
representation or deceptive means to collect or attempt to collect any debt or to obtain
information concerning a consumer.” 15 U.S.C. § 1692e(10). According to plaintiff’s
complaint, defendant’s debt collector, Ms. Toy, “stat[ed] that the case had just come into
their office, when in fact Defendant had the account for a year” (Item 1, ¶ 22). Plaintiff
argues that defendant’s characterization of the status of plaintiff’s account created a
false sense of urgency and was a false representation or deceptive means to collect the
debt in violation of 15 U.S.C. § 1692(e)(10) (Item 1, ¶ 22).
Plaintiff’s characterization of Ms. Toy’s statement in the complaint does not
correspond to the transcript of the telephone recording. In the transcript, Ms. Toy says
only that “I just received [the account] in my office today” (Item 32, Exh. C) (emphasis
added), while plaintiff alleges in the complaint that the defendant deceptively stated
“that the case had just come into their office” (Item 1, ¶ 22) (emphasis added). By using
the words “I” and “my,” Ms. Toy clearly referred to the time when she, as the individual
debt collector, received plaintiff’s account, and not the time when defendant’s collection
agency received it. Although Ms. Toy did not recall her actions specific to attempting to
collect plaintiff’s account, her practice was to contact debtors within a few days of
receiving a debtor’s file (Item 35, ¶ 17). She made no representation as to when the
account was assigned to defendant’s collection agency and stated that “we usually give
about thirty (30) days to see if the debtor is willing to pay” before the delinquency is
posted to the debtor’s credit report (Item 32, Exh. C). Thus Ms. Toy’s statement, that
she just received the account in her office, would merely serve to inform plaintiff that

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she had approximately 30 days in which to address the delinquent account. This
statement is neither false nor misleading and does not create any false sense of
urgency. Arguably, plaintiff could have felt that she had more time, not less, to address
the delinquent account. Based on the record, no reasonable juror could conclude that
Ms. Toy’s representation to plaintiff that the account came into her office on April 1,
2009 was a false or misleading attempt to collect a debt in violation of 15 U.S.C. §
1692e(10).
The FDCPA also prohibits debt collectors from “represent[ing] or impl[ying] that
nonpayment of any debt will result in … the seizure, garnishment, attachment, or sale of
any property or wages of any person unless such action is lawful and the debt collector
or creditor intends to take such action,” 15 U.S.C. § 1692e(4), and from “threat[ening] to
take any action that cannot legally be taken or that is not intended to be taken.” Id. §
1692e(5). Plaintiff alleges in her complaint that defendant violated these subsections
“by stating nonpayment of the debt will result in garnishment of her wages, an action
that Defendant does not intend to pursue and cannot legally pursue” (Item 1, ¶ 22).
Again, however, plaintiff’s allegations in her complaint do not comport with the
transcript of the telephone conversation. Nowhere in the conversation does Ms. Toy
state or imply that defendant will garnish her wages or threaten to sue her. Instead, the
transcript reveals a question-and-answer conversation between plaintiff and Ms. Toy
regarding the procedures for debt settlement, wage garnishment, and notifying credit
reporting agencies (Item 32, Exh. C). Where plaintiff and Ms. Toy discussed wage
garnishment, Ms. Toy repeatedly advised plaintiff that “they” – the dental office – can

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pursue wage garnishment only after “they” sue her and “they” obtain a court ordered
judgment. Id. (emphasis added). Ms. Toy did not state that the dental office or
defendant will pursue wage garnishment and referred to defendant’s collection agency
as “we” throughout the conversation. Id. When discussing actions that defendant could
take, Ms. Toy clearly stated that “[w]e can’t do settlements,” and that “we post it to your
credit report.” Id. In contrast, when responding to a question apparently hypothetically
posed by plaintiff regarding how dental offices might pursue wage garnishment, Ms. Toy
did not use the word “we” at all, and instead consistently referred to a hypothetical
dental office as “they.”
Unfortunately, and somewhat curiously, plaintiff’s questions were not recorded
and transcribed, but she admitted at her deposition that she was asking questions in the
hopes of reaching a settlement and to learn whether this debt would be posted to her
credit report (Item 32, Exh. E, pp. 62-63). Plaintiff did not recall what questions she
asked to elicit these responses from Ms. Toy (Id., p. 65-69), but a common sense
reading of the transcript indicates clearly that she was asking Ms. Toy about the
consequences of not paying this debt (Item 32, Exh. C). A communication “that merely
advises that the creditor has various options to pursue if the debtor fails to make
payment does not constitute a threat.” Nichols v. Frederick J. Hanna & Assocs., PC,
760 F.Supp.2d 275, 280 (N.D.N.Y. 2011); see also Herzlinger v. Nichter, 2011 WL
1434609, *5 (S.D.N.Y. Februry 9, 2011) (quoting Bentley v. Great Lakes Collection
Bureau, 6 F.3d 60, 62 (2d Cir. 1993) (“A threat exists where the least sophisticated
consumer ‘would interpret th[e] language to mean that legal action was authorized,

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likely, and imminent.’”); Sparks v. Phillips & Cohen Assocs., 641 F.Supp.2d 1234, 1250
(S.D.Ala. 2008) (“[T]he mere statement by [debt collector] that [debt collector] can
compel the sale of the [debtor’s] house cannot reasonably be construed as a threat that
it will do so,” as “that statement simply placed [debtor] on notice of [debt collector’s]
options.”).
Considering the transcript of the telephone conversation in context and as a
whole, it would be unreasonable, even for the least sophisticated consumer, to
conclude that Ms. Toy represented that nonpayment of plaintiff’s debt would result in
any specific action other than posting the debt to plaintiff’s credit report after 30 days.
Ms. Toy did not threaten to take any illegal or unintended action in violation of §
1692e(5), nor did she represent that nonpayment of plaintiff’s debt would result in any
unlawful or unintended action in violation of § 1692e(4). She merely responded to
plaintiff’s inquiries and provided a general overview of the legal options available to the
creditor. Accordingly, as no reasonable jury could conclude that defendant violated the
relevant sections of the FDCPA, defendant’s motion for summary judgment is granted
and the complaint is dismissed.
III.

Plaintiff’s Motion to Strike Dr. Mahoney’s Affidavit
It was unnecessary for the court to consider the affidavit of Dr. Mahoney in

concluding that defendant did not violate the FDCPA. Accordingly, plaintiff’s motion to
strike paragraphs 6 through 12 of the affidavit is denied as moot.

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IV.

FDCPA Attorney’s Fees
The FDCPA provides that “[o]n a finding by the court that an action under this

section was brought in bad faith and for the purpose of harassment, the court may
award to the defendant attorney's fees reasonable in relation to the work expended and
costs.” 15 U.S.C. § 1692k(a)(3). Defendant argues that because plaintiff had formal
FDCPA training and manipulated the statements of the defendant’s agent, plaintiff
brought this action in bad faith and for the purpose of harassing defendant, and thus,
this court should grant defendant reasonable attorney’s fees (Item 36, p. 21).
While plaintiff and her counsel are well-versed in the FDCPA and plaintiff’s
FDCPA claims ultimately have been shown to lack merit, there is no discernible
evidence that the action was brought in bad faith and for the purpose of harassment. It
is peculiar that plaintiff’s telephone recording only recorded Ms. Toy’s side of the
conversation and that the questions asked appear to attempt to lead Ms. Toy into
committing FDCPA violations. However, there is no clear evidence that the action was
brought in bad faith and for the purpose of harassment, and therefore FDCPA statutory
attorney’s fees are not warranted in this case.
V.

Federal Rule of Civil Procedure 37(c)(2)
Federal Rule of Civil Procedure 37 provides that a party who refuses to admit

facts contained in a notice to admit may be required to pay attorney's fees to its
adversary if the facts are ultimately established. Fed. R. Civ. P. 37(c)(2). Defendant
argues that plaintiff denied certain requests for admissions, but later admitted the
relevant facts at her deposition. Accordingly, defendant argues that the court should
13

grant defendant reasonable attorney’s fees incurred to prove those admissions (Item
36, p. 21). Plaintiff states that her responses were not unreasonable or misleading, and
the requests for admission were vague, ambiguous and of no substantial importance.
The court has reviewed the requests for admission, plaintiff’s responses thereto,
and the relevant portions of plaintiff’s deposition transcript. The requests for admission
sought information regarding whether plaintiff responded to the first collection letter,
whether she disputed the debt, and whether she posed multiple questions to
defendant’s representative during the telephone call of April 1, 2009. Rule 37(c)(2)(B)
provides that a party’s failure to admit a matter that is later proven to be true will not
result in an award of attorney’s fees if “the admission sought was of no substantial
importance.” As none of these requests at issue seeks information of substantial
importance to the determination of plaintiff’s claim, sanctions under this Rule are not
appropriate.
VI.

Plaintiff’s Counsel’s Liability for Costs pursuant to 28 U.S.C. § 1927
“Any attorney … who so multiplies the proceedings in any case unreasonably

and vexatiously may be required by the court to satisfy personally the excess costs,
expenses, and attorneys' fees reasonably incurred because of such conduct.” 28 U.S.C.
§ 1927. In this Circuit, courts have held that “[s]anctions may be imposed ... [pursuant
to § 1927] ‘only when there is a finding of conduct constituting or akin to bad faith.’ ”
Konits v. Karahalis, 409 Fed. Appx. 418, 423 (2d Cir. 2011) (quoting In re 60 E. 80th St.
Equities, Inc., 218 F.3d 109, 115 (2d Cir. 2000) (internal cite omitted)). As this court has

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already determined that plaintiff’s counsel did not act in bad faith, sanctions pursuant to
28 U.S.C. § 1927 are inappropriate in this case.
VII.

Rule 11 Sanctions

Federal Rule of Civil Procedure 11 confers on district courts the authority to
sanction litigants or counsel and provides in relevant part:
(b) By presenting to the court a pleading, written motion, or other paper--whether
by signing, filing, submitting, or later advocating it--an attorney or unrepresented
party certifies that to the best of the person's knowledge, information, and belief,
formed after an inquiry reasonable under the circumstances:
…
(2) the claims, defenses, and other legal contentions are warranted by existing
law or by a nonfrivolous argument for extending, modifying, or reversing existing
law or for establishing new law; and
(3) the factual contentions have evidentiary support or, if specifically so identified,
will likely have evidentiary support after a reasonable opportunity for further
investigation or discovery. . ..
Fed. R. Civ. P. 11(b). To establish a violation of Rule 11(b)(2), it must be “patently clear
that a claim has absolutely no chance of success....” E. Gluck Corp. v. Rothenhous,
252 F.R.D. 175, 179 (S.D.N.Y. 2008). Under Rule 11(b)(3), “sanctions may not be
imposed unless a particular allegation is utterly lacking in support .” Storey v. Cello
Holdings, L.L.C., 347 F.3d 370, 388 (2d Cir. 2003); O’Brien v. Alexander, 101 F.3d
1479, 1489 (2d Cir. 1996).
Defendant served plaintiff with notice of its intent to pursue Rule 11 sanctions on
October 28, 2010, complying with Rule 11’s procedural safe-harbor requirements. In
response, plaintiff withdrew her claim that defendant had failed to identify itself as a debt
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collector. Defendant then filed a Rule 11 motion with this court separate from its motion
for summary judgment on November 26, 2010, alleging that plaintiff and her counsel
were well-versed in the FDCPA and knew from the inception of this action that her
claims had no factual basis (see generally Item 29 at 8-15).
The court finds this a close and troubling case. Plaintiff’s remaining claims relied
on a telephone call recording that only captured one side of a question-and-answer
conversation. The complaint takes out of context Ms. Toy’s words from the transcript
and even misquotes them to create a colorable claim under the FDCPA. A common
sense reading of the transcript indicates that Ms. Toy did not threaten to garnish
plaintiff’s wages, represent that any illegal or unintended action would be taken against
her, or mislead her as to how long she or defendant had the account in their office. As
plaintiff chose to telephone the defendant and only recorded Ms. Toy’s end of the
conversation, the conversation could be interpreted as an attempt by plaintiff to bait
defendant into a violation of the FDCPA.
The court has found plaintiff’s arguments unpersuasive and her claims lacking in
merit. However, the claims were at least colorable in that plaintiff was able to frame an
argument that the statute was in fact violated. Accordingly, the court finds that plaintiff’s
FDCPA claims were not “utterly lacking in support,” plaintiff’s attorney did not violate
Fed. R. Civ. P. 11, and the defendant’s motion for sanctions is denied.

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CONCLUSION
Based on the foregoing analysis and having drawn all reasonable inferences in
the nonmovant’s favor, defendant’s motion for summary judgment (Item 32) is granted
and the complaint is dismissed. As the court did not rely on the affidavit of Dr. Mahoney
in its analysis, plaintiff’s motion to strike the affidavit (Item 57) is denied as moot.
Defendant’s motions for sanctions (Item 29) is denied.
So Ordered.
____________________________
JOHN T. CURTIN
United States District Judge
Dated: March

, 2012

p:\pending\2009\09-627.m ar1412

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