Rogers v. Summit Receivables

Filing 10

MEMORANDUM OPINION. Signed by Senior Judge Glen E. Conrad on 3/5/18. (hnw)

CL
ERK' OFFI U. DI COURT
S
CE S. ST.
AT F NOKE,
Km
VA
FI
LED

I TH E U NI
N
TED STATES DI
STRI COU RT
CT
FO R TH E W ESTERN D I
STRJ OF VI GI I
CT
R N A
CH AM OTTESV I
LLE D I I ON
V SI

Ml2 25 2 1
22
BJ I SD D E C E K
YW A U L K L R
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&.
o ee

DEPUTY CL R

KEVI ROG ERS,
N

Ci lAc i N o.3:7CV00069
vi ton
1
Pl i i f
a ntf ,

G M OR ANDUM OPI ON
M

SU M M I RECEI BLES,
T
VA

Hon. l n E.Conr d
Ge
a
Se orUnied St t DititJ
ni
t
aes src udge

De e nt
f nda .

Thi c e i pr s nty bef r t c u' o pl ntf Ke n Ro r 'm oto f de a t
s as s e e l
o e he ot t n ai if vi
ge s
i n or f ul

j d me t Fo ter a o ss tfrhb lw,h moinwil eg a td.
u g n . r h e s n e o t eo te to lb r ne
B ac
kzround

On Se e r 22,2017,Roge s fl d t s aci a i t Slmm i Re eva es a de
pt mbe
r ie hi ton ga ns l t c i bl ,
bt

c le to a e c ,algn vo ainso teFarDe tColcin P a tc sAc (
olcin g n y l ig ilto f h i b le to r cie t C
e
TDCPA' 1
), 5
U. C.jj 1 -1 p. On Se e r27,201 aprvat pr e ssr erpes ly dei rd
S.
692 692
ptmbe
7, i e oc s e v ronal lvee
c esoft s
opi
he ummonsand c
ompl i t a age a horze by 1 w t r c ves r i eofpr e s
ant o n nt ut i d
a o e ei e v c
oc s
on be l ofSlm mi Rec i bl s Se Pr f o Se vie,Doc tN o.4. Ac r ngl s r i e
ha f
l t eva e . e oo f r c
ke
co di y, e v c

wa p o e u d rFe e a Ru eo Cii P o e u e4 h .
s rp r n e d rl l f vl r cd r ()
Des t bei pr r y s r e Sum m i Rec i bl f ie t a w e or ot r s de e
pie ng ope l e v d,
t e va es a l d o ns r
he wi e f nd

t aci n wihi t tm epe i pe mitd by t Fede a RulsofCi lPr e le. On Ocobe
he to t n he i
rod r te
he
rl e
vi oc dtr
t r
24,2017, he Cl r e e ed def ul aga ns t 'e e nt Slm m i Re e va e hasnotm ove t
t
e k nt r
a t i t he d f nda . l t c i bl s
d o
s tas de t e r ofde a t orot r s a ar d i a m n
e i he nty
f ul,
he wi e ppe e n ny nneri t c e Roge sha no
n he as .
r s w

mo e f rd fu tu g n, ndt ematri r f rd s o iin
v d o ea lj d me ta h t s i o ip sto .
e pe

St
andar o R e e
d f vi w

Rul 55 of t Fe r l Ruls of Ci l Pr e e esa ihes a t se pr es f
e
he de a
e
vi oc dur t bls
wo-t p oc s or

o tii gad fut u g n . J fes nv. ie .nc, 61F. u p 2 4 0 4 3( D. . 0 6 .
b an n ea lj d me t efro Brn r l .4
S p . d 3 , 3 E. Va 2 0 )
Fis,iheg lr mu te trt epat ' d ful' Fe . Ci. 5 () Se o d ap ryma
rt l cjek s ne h ry s ea t ' d R. v P. 5 a . c n , a t y
t
.
mo tec u t o d fulj g ' u d rRu e5 ( )
ve h o r fr ea t ud me t n e l 5 b .
n
I rv e n a moin f rd ful j d me t t e c u tv e alwelp e d d fcua
n e iwig
to o ea t u g n , h o r iws 1 l- la e a t l
alg to si t ec mp an a t z f rp r o e o la ii S eFe R.Ci .P.8b ()(An
le ai n n h o lit s n e o u p s s f ibl y. e d.
t
v
()6 C
ç
al gai -- t r t n o r ltng t t n oun of dn
le ton -o he ha ne ea i o he m t
mage - i a te i a r ponsve
s s dmitd f es i

pla i g i r q ie a t e alg to i no d ne . ;s e as Ry n v.Ho c mi sFi
e dn s e urd nd h l ain s t e id' e lo a
e
)
me o nc n.
Newo k 2 3F.d 7 8 7 0 (t Ci. 0 )(i h d fnd n , yhi dea l, d t p anifs
t r , 5 3 7 , 8 4 h r 2 01 (Tj e e e a t b s fut a mis litf
(

welpe d d alg to s o fc .) (nen lctto o te ) Co s q e ty i t d ful
l- la e le ain f a t' itr a iain mitd . n e u nl , n he ea t
'
j d me t o tx ,heG p r p it i q iyi wh t ro no tef c o t ep e d n ss p o t t e
u g n c n e tt t p o rae n ur s ehe r t h a e f h la i g u p rs h
a
d futud me t n t ec us so a to te en. An es nv. t f rAd a c me tEd c
e a lj g n a d h a e f cin h ri ' d ro Fomd.o v n e n . u .
'

k Emp' o Am. nda s 1 7 F.d 6 ,1 9 U. Ap LEXI 1 6 3 a * ( t Ci. g.1 ,
t f l in , 8 3 28 9 9 S. p.
S 8 3 , t 2 4h r Au 0
1 9 )( n u ls e tbeo no )
9 9 u p bih d a l piin .
I t f c salege i t c
f he a t l d n he ompl i e t bls la lt t n t c tmus de e mi t
ant sa ih i biiy, he he our
t t r ne he
a o i t a ot of da a s Rva 253 F. a 780ppr prae m mt
m ge .
n,
3d t
81. The c rt m a m a a
ou
y
ke
de e na i n as t t a ount of dn a wihout a he ng i t r or c a ns s fc e
t nni to
o he m
m ges t
mi f he ec d ont i uf i i nt
e de e t s
vi nc o uppo t he a a d. Se A nde s n v.
rt w r
e
r o Found. o A d nce e . uc & Em p' ofA m .
f r va m nt Ed .
t

I a ,1 F. 500,507 ( h Ci.1 ( i t tçn s cr umsanc sadititc t
ndins 55 3d
4t r 998) notng ha t ome ic t e
i
src our

e trngad fulj g n ma a r d ma e a c ran befo t pla ig wih u hodn
nei
e a tud me t y wad a g s s e tia l r m he e dn s t o t lig
ah a if' Ori- r ae v Fo o ia 2 7F.d5 ,6 -6 ( s Ci. 0 )(o cudn t a a
e rn ) t Gol lz . n v s , 7 3 9 3 4 1t r 20 2 c n l i g h t n
; z z
a r o sato yd ma e wi o tah a igwa wihnt dsrc c u tswieds rto )
wad f tttr n g s t u e rn s t i he itit o r' d icein .
z
h

D i cussi
s
on
1
.

Li lt under t FD C PA
abiiv
he

The FDCPA wa e c e t pr e tc um e s fo a i a de ptve pr c i sby
s na t d o ot c ons r r m busve nd ce i
a tce
de c l cor , a t pr e t non- busve de colecor f o c
bt ole t s nd o ot c
a i
bt l t s r m ompeii dia nt ge.
ttve s dva a

Untd S ae v. tl n.S r s. n .9 F.d 1 ,1 5( t Ci.1 9 ) I i E src la ii
ie tts Na' Fi e v .l c, 8 3 31 3 4h r 9 6 . t s < tit iblt
a
y
saut t tpr bis f l ç or dec ptve r pr s ntto i c lc i a de ,as Wel a c ran
t t e ha ohi t a s
e i e e e ai ns n ole tng
bt
l s e ti

a u ied b c le to p a tc s' M c a v. v 48 F. p' 6 7 6 2 (t Ci. 01 ) I
b sv e t olcin r cie .
' Le n Ra , 8 Ap x 7 , 8 4h r 2 2 . n

o d rt etbih avoain o teFDCPA,heplitf mu t o e ( )t a t ed fnd n i a
r e o sa ls ilto f h
t an if s pr v : 1 h t h ee a t s
d e tc le tr' sd fn db t FDCP ( )t tt ep an ifha b e t o j c o c le to
ç b olco 'a eie y he
d
A; 2 ha h litf s e n he b e t f olcin
a tviy aii fom a c ume de ;a ( t tt dee ntha enga i a a ton o
ci t rsng r
ons r bt nd 3) ha he fnda s
ged n n ci r

o s inp o iie b t eFDCPA. Rug i v. ah. t, 9F. pp 2 6 2 6 ( D. .
miso r hbtd y h
ga W s Mu .71 Su . d 4 , 47 E. Va
2 0 . t c u et eFDCPA i asrc l b lysaue ac n lme n e o l p o eo evo ain
01 ) û a s h
Be
s tit i ii ttt , o sl r e d n y r v n ilto
a t
t ti e la lt ' GrntFlthe v.M c ule & DnzysP. ,964F.Su 2d 51 5 (
o rgg r ibiiy. a - ec r
'
M ln
r A.
pp.
4, 21 D.

Md. 01 )
2 3.
Ac r ngt t co pli ,Summ i Re ei bl sC e a l colecs o a tmpt t c l c ,
co di o he m a nt
t c va e i gulry l t , r te s o ole t
r

d bs alg dy o d t t id p ris' Co l ! 1 ,Do k tNo 1 a d i t e eo e a E e t
e t le e l we o hr a t , mp . 4 c e . , n s h r fr t b
e '
d
c le tr'f rp po e o t FDCP Se 1 U. C.j 1 9 ( ) l J l o 2 7 Sl t
olco ' o u s s f he
A. e 5 S.
6 2a6 . n uy f 01 , l
mmi
Re e va esbega a tm ptng t c l c a C le d' c ume de t tRoge so i naly o
c i bl
n te i o ole t n t l ge ' ons r bt ha
a
r rgi l wed

t M o l ns Co .! 16 18. Summi Re i blsc le Roges'c lulrtlphonentmbe
o bioa . mpl ! t ceva e ald
r el a ee
l r
on m uli e occasi aspartofisef ort t colectt aleged debt On m oret one occas on,
tpl
ons
t f s o l he l
.
han
i

Roge ss
r poke w ih o t de e nt sr pr s n a i . Duzng a l as o oft c
t ne he f nda ' e e e t tves
i t e t ne he onve s tons
rai ,
Roge s r que t d t Sum m i Rec i bl s pr de w rte doc en a i t ve iy t a l ge
r e s e hat
t e va e ovi
i tn
um t ton o rf he le d

de . Ho ve ,Summ i Re eva esr f e t pr vi t r que t d doc e t ton.
bt
we r
t c i bl e us d o o de he e s e
um n a i

Sum mi Re i bl salo l f voie alm e s son Roge s cel a tl phone numbe .
t ceva e s e4 c m i s age
r ' lulr e e
r

Atlat o e o t e me s g s d srb d Ro es c nd t a t lco . 1 .! 2 (n ena
es n f h
sa e e cie g r ' o uc s G iius' d 2 itr l
ma
'
q oain maks o te ) Atlat o o t e me s g s Gh e tn d t a gq fn a two l
u tto
r mitd .
e s ne f h sa e s r ae e h t d e e d n u d
t
a tmaial d bt n yfo (qan ifsc e k n a c t . I . 2
u o tc ly e imo e r m p litf h c i g c omt' d ! 3.
'
I a ton t c li Rog s c l a t l phone ntm be , Sum m i R e e va es c l d
n ddii o a lng
er ' elul r e e
l r
t c i bl ale
Roge s a w o k,s
r t r poke w ih t r c ptoni t a t i t ve iy Roge s e pl e t R oge s
t he e e i s , nd red o rf
r ' m oym n .
r

a lgest tSlmm i Re i blsha no i e i n ofga nihi hi w a s Roge sf t ral s
le ha l t ceva e s nt nto
r s ng s ge .
r urhe lege

ta S mmiRe eva ls sn t ie alws ia an t i a dt rf r h s ud me t g i t
h t u t c i be ha o fld a ut g is h m, n heeo e a noj g n a ans
hi .
m

Thec tc l st tt we lpl de f c a al gai i t c
our oncude ha he l- ea d a m l le tons n he ompli esa iht t
ant t bls ha

S mmi Re ev b e vo ae teF
u t c ia ls iltd h DCPA. Asr lva th r ,j 1 9 do t eFDCP fr d te
ee n e e 6 2 f h
A obis h
us ofC co
e ç
any nduc t na u a co e nc ofwhi h i t ha a s o es ,ora ea pe s n i
t he t r l ns que e
c s o r s , ppr s
bus ny r o n

c me tonwiht c lci ofde . 15U. C.j 1
or ci t he ole ton
bt'
'
S.
962d. By de ci ngRoge s co uc a
s rbi
r ' nd t s
l ai i ' a t eae ng t a o a ialy de tm o y fom hi c c ng ac ount Sum mi
i lcous' nd hz tni o ut m tc l bi ne r
m
s he ki
c ,
t
Re i bl s vi a e t s pr s o
ce va e ol t d hi ovi i n. Se e. , H uz v. M a rc La Gp . LLP, N o.
es c.
ar
nda i h w

5:3c - 0 7 , 1 U. Dit LEXI 1 5 6 , t* ( D. lAu 1 , 3 (o cudn ta
1 -v 0 7 0 20 3 S. s.
S 1 8 3 a 7 C. Ca. g. 4 201 ) c n l ig h t
alg dtr ast d bt plitf sc e kn a c u ts p re acam u d rj 1 6 d .
l e h e t o e ia an if h c ig c o n u po td li n e 9 2 )
e
TheFDCPA a s pr bist us ofGa f le de e i ormil a ngr e e a i o
lo ohi t he e tny as , c ptve,
se di epr s nt ton r
m e ns'i de c lc i a pr desa nonw xha tve ls ofpr bied co uc . 1 U . C.
a ' n bt ole ton, nd ovi
e usi it
ohi t
nd t 5 S.

j1
692e. Suc c
h onduc i l st lgj rprs nt i o i iato t tno yme ofa
t ncude he tthe e e e aton r mplc in ha npa nt ny
de w il r s t i .. .gar s e ,. ..url s s h a ton i l w f l a t de c l c or o
bt l e ul n
ni hm nt
les uc c i s a ' nd he bt ole t r
u

ce io itn st tk s ha to '1 j1 9 e 4 , n Ethet ra t tl a ya to t tc n o
r dtr ne d o a e uc cin, d. 6 2 () a d ç l h e t o ac n ci n ha a n t
'
g
e
lgal betke ort ti noti e dt betle '1 j 1
e ly a n ha s ntnde o atn,' d. 692e() Bas ont welplade
5 . ed he l- e d

fcualal tons t cour c l t tSummiRe eva esvi aedj 1 2ebyi yi t t
a t legai ,he t oncudes ha
t c i bl olt
69
mpl ng ha
i woul ga nih Roge s'wage whe i di noti e t t s h a ton,a by t e t ni t
t
d r s
r
s
nt d
nt nd o ake uc c i nd
hr a e ng o
a t a i ly de tR oge s c c ng a ot tw ihou hi pe m i s on. Se .e. ,V il nue v.
u om tca l bi
r ' he ki cc m
t t s r si
e :. la va

Ac o n Dic vey S s.LLC,7 F. u p.3 1 5 ,1 7 ( Co o 2 4 (o cu ig ta t e
c u t so r y .
7 S p d 0 8 0 5 D. l . 01 ) c n ldn h t h
t u horze wihdr
ma t i d t awaloff ndsfo t pl ntf sbn ac ot c tt ed avi a i oft
u
r m he ai if nk c mt onsiut
olton he

F
DCPA)
.
The c tf rhe c l st tSumm i Rec i bl vi a e t ' ie r quie e of
our u t r onc ude ha
t eva es olt d he notc e r m nt
t FDCPA. E o is s e r ag ns a e a dec pton,t FDCPA r quie a de
he
s ng t af gua ds ai t bus nd e i he
Am
e rs
bt
c l cort s nd m it n notc t c um e de o s wih whom i c
ole t o e
te
ie o ons r bt r t
t omm t c t s i com e to
mia e n r ci n

wiht ec l ci no ad b . Clr v. o ueColcin S r .l c, 41F.d 48 ,4 0( t
t h ol to f e t' ak Abs lt le to e v. n .7
e
'
3 7 9 4h

Ci. 01 )(iig 1 U. C. 1 9 g . Then tc mus bes n t ti fv d y a tr h iiil
r 2 4 ctn 5 S. j 6 2 )
oie t e tt hn ie a s fe t e nta
wi
c
ommt c ton wih a c lm e y'a i mus i l t i o mai s cii i t sam e.
mia i
t
onsl r' nd t
t nc ude he nf r ton pe fed n he tt

S e1 U. C. 1 9 g a( ) 5 . Hee tec mp an i iae t t l t c ia lsr f e
e 5 S. j 6 2 ()1-() r ,h o litndc ts ha S l Re ev b e eus d
mmi
t pr d Roge swih a wrten doct e a i oft alege de ,muc ls awrte no i
o ovi e
r t ny it
tm nt ton he l d bt
h e s itn tce

c nann teilo main s tf zh i j 1 9 () Ac odngy Ro e sh sas e tbih d a
o tiig h r r to e o' n 6 2ga . c r i l, g r a lo sa ls e
f
t
vi aton oft FDCPA ' notc r uie nt
ol i
he
S i e eq r me .
I.
l

R e s e R em e e
que t d
di s

Ha ng c l d t t Roge s has es a i hed vi a i of t FD CPA ,t c tm us
vi onc ude ha
r
t bls
ol tons he
he our
t

de e ne t r le t whi h he i e ild. Roge s s c fc l s e t r ove sam o y
tnni he ei f o
c
s ntte
r pe ii aly e ks o ec r t t r
da age ,a t r sf s a c t .
m s t o ney' ee , nd os s
A.

St ut D am azes
at orv

Under 15 U .S. jt 69 a( , n i viua i e i e t rc
C. 1 2k()2) a ndi d l s ntt d o e oversam or :dn sa
l
tt y ( mage s

t c tma a l but not e ee ng $1000.' I dee m i ng a a o i t n ot o
he our y low,
xc di
, ' n tr ni n ppr prae m mt f

dnma s t c tmus c i ra numbe off t r ,i l ngt fe ue y a pe sse eof
ge , he our
t onsde
r ac o s ncudi he r q nc nd r itnc
t de tc l corsno ompla , henaur ofs h nonc
he b ole t ' nc
ince t
t e uc
ompla e a t e e t whi t
inc , nd he xt nt o ch he

n n o inc wa itn in l 1 U. C. 1 9 k() 1.
o c mpl e s ne to a. 5 S. j 6 2 b ()
a
Appl ng t s f c or ,hec ur c ncude t tRoge si e ildt t m a mlm n
yi he e a t s t o t o l s ha
r s ntte o he xi l mount
of s a ut y dn age . The alega i ns i t c pl i esa i h t t Slm m i Rec i bl s
t t or
m s
l to n he om a nt t bls ha l t
é va e

vi a e m uli e pr sons of t FDCPA. M or ove ,t na ur of e c of t de e nts
olt d
tpl ovii
he
e r he t e
ah
he f nda '
vi a i i c t s t tt de e nt s nonc planc w a i e i l r t rt n t r ul of
ol tons ndi a e ha he f nda '
om i e s nt ntona , a he ha he es t

ac i nt or mit ke. Ac or ng y,Slmmi Re ei bl s wil be o de e t pa $1000.0 i
cde
sa
c di l l t c va e l
r rd o y , 0 n
s a ut y da a s
t t or m ge .
B.

At or v' Fe s and C os s
t ne s e
t

Pli if whopr va li a tonst rt FDCPA a ea s e ild t r cove (hecossof
antfs
e i n c i mde he
r lo ntte o e
rt
t
t

t a to t g t rwih a ra o a l atr y s fe' 1 U. C.j 1 9 k()3 . Al o g
he cin, o ehe t e s n b e tone ' e . 5 S.
'
6 2 a( ) t u h
h
a t e sf sa e S a t r i a lbutt m os unus cic s anc s ' t a o oft a a d
tom y' ee r ç nda o y n 1
m
he
t
ual r um t e ,' he m unt he w r

i lf t t dititc tsdicein. Car lv.W ol f& Abr ms 53F. 626,628(t
s et o he src our' s rto
rol
pof
a on,
3d
4h
Ci.1 )
r 995 .
W he a saut a horz san a r ofat ne sf es c t t cal a y t l sa
n t t e ut i e
wa d
tor y' e , ours ypi ly ppl he ode t r

meh d o d tr nn a ra o a l a r . Br d ik v. myo 4 F.d 1 4 1 6 (t Ci.
to f eemiig e s n b e wa d o za Rt n,1 5 3 9 , 9 4h r
1 98 . Th ld sa fgle c ris a ç to g p eu to 't a i Ge r sn s a ra o a l
9 )
e o e tr i t a re t r n r s mp in' h t t ç p e e t e s n b e
r
s
r
atonwy' f e. M c e v. za, F. 81 811( hCi. 3) Thefgtr i cac ae by
t
s e ' Afe Boc r738 3d , 4t r 201 .
'
i le s lultd
muli yi t nlmbe ofhot sras bl e nde by ar as bl houry rt JJ The
tpl ng he l r
l e ona y xpe d
r
e ona e
l ae. -.
IS
U nie St t Cour ofAppe l f t Fo ' Cic tha a s i ntf e a nlm bç ofot rf t s
t d a es
t
a s or he ul h r ui s l o de ii d l r
t
he ac or
t t c ur s m a c ns de i de e m i ng a r s na e f e a a d,i l ng t difc t of t
ha o t y o i r n t r ni
ea o bl e w r nc udi he f i uly
he
i s s ltga ed,t r s t obt ne a f e a z i s m ia c e . See B a be v.K i br l ' .
s ue ii t he e uls ai d, nd e wa ds n i l r as s
r r
m e ls

I .5 7F.d21 , 2 n. (t Ci. 9 )(d p igt efco sie tfe i J hn o v. o ga
nc, 7 2 6 2 6 28 4h r 1 78 a o tn h a tr d n iid n o s n Ge r i
Hih yEx r s. n .48 F.d 71 71 -1 ( t Ci.1 7 ). Ho v r te efco sE u l
c wa p e s l c, 8 2 4, 7 9 5h r 9 4 ) we e ,h s a tr ç al
us y
a e s tme wihi t i ta c lul ton ofhour r as na y e nde a a r as na e hotry
r ubsl d t n he niil ac ai
s e o bl xpe d t e o bl ll

rt, He se v. kehat4 U. 4 4 3 n. ( 98 )a n e n t ea d e s di d p n e ty.
ae' n ly Ec r r, 61 S. 2 , 4 9 1 3 , nd e d ö b d rs e n e e d n l
'
S eAr odv. r e Ki Com.71 F.d6 , 7n4(t Ci. 98 )
e n l Bu c r nc 1 , 9 2 3 6 . 4 h r 1 3 .
Tur ng fr tt t num be of hour e nde on t ltga i t r cor r vea s t t
ni is o he
r
s xpe d
he ii ton, he e d e l ha

Roge s t a t ne a apa alga e nde at t lof1 7 holr on t c s The c tha
r ' wo tor ys nd
r e l xpe d o a
4. zs he a e.
our s
r viy e t r or s lde i s
e e v d he ec ds ubn i d n uppor of t s fgle a ûnds t t t ho s bild a e
t hi i tr nd
ha he ur le z
r a o bl The e or ,t c t ilc pe a e R oge sf r a l 1 7 ho s Se V a de v. r
e s na e.
r f e he our w l om ns t
r o 1 4. ur . e l z A m

Wy LLC, 7:4c 0 2 3 20 5U. Dit LEXI 76 9 a * ( . Va J n 1 ,2 5
m
No. 1 -v-0 6 , 1 S. s. S 2 6, t à W D. . u e 2 01)
( n a , . (i d n t a attlo 1 6h t swa r a o be i a FDCPA c s d cd d o a
Co r d J) tn i g h t o a f 5. ol s e s na l n n
r
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moinf rd fut ud me t.
to o ea lj g n)
Thec t xtco i r whe he t houryr t s ug by Roge s a t ne i r as bl
our ne
nsde s t r he
l ae o ht
r ' tor ys s e ona e.
R og r ' l ad co m s l f o Chi a
es e
t e 'm
r
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li s
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e r

Rihm o Vigi a,Riha d Fe s s k .o be co ns t a a r t of $375. pe ho .
c nd, r ni c r ni , ee t
mpe aed t a e
00 r ur
Howe r Ag us ,who pe f
ve , r s
ronne m os oft wo k i t c e,a knowl st the hasbe n
d
t he r n he as c
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a r a houry r t of$290. t $300. i f ure n FDCPA c esi o he ditit .
wa ded n
l ae
00 o
00 n o te
as n t r src s
Bas d o t c r ' knowl
e n he ou ts
edge oft ma ke a is r vi w ofr ce t c esunde t
he r t nd t e e
e n as
r he
FDCPA, hec t le st tt r t r q se bybo h ofRoge s a t e e e t twhih
t our be ive ha he a e e ue td
t
r ' tonz ys xce ds ha
c
w oul r s bl be c r d f rs m ia w o k i t sar a. Se Far t v. i on Ct , F.
d ea ona y
ha ge o i l r r n hi e
e bo ko Clnt
v. 433 3d

2 4 2 9 (d Ci. 0 5 ( b e vn t a t c u tsi q iy it ar a o a l atr #' fema
0 , 0 2 r 2 0 ) o sr ig h t he o r' n ur n o e s n b e tone s e y
Gn ld u iil oieo t ertsa r e i p i rc s sa t ec u tso fmiirt wiht e
ç cu ej dca n tc f h ae wa d d n ro a e nd h o r' wn n laiy t h
i
r e pr ii i t ditit). Theco t l t r fz r ducet rquetdr t t $30 00pe
ats evalng n he src'
ur wilhe eo e e
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7

hotr See e. ,Bi kl v.Gr or N o.2: 6- v- 31,201 U . D it LEX I 1
l.
. :. c ev
ec v,
1 c 001
6 S. s .
S 48654,a *30
t

( D. . t7 2 6 (e o n i t a c u s l ec mp nstda a hozl r t o $ 0 .0
E. Va Oc. , 01 ) rc mme dng h t o n e b o e ae t n l y ae f 3 00 ,
r
rt rt n$ 7 0 ) rpo t n r c mme d to a o td 2 6U. Dit L S 1 40 ( D.
ahe ha 3 5.0 , e r a d e o n ai n d p e , 01 S. s. EXI 48 8 E.
Va Oc. 6 2 6 , vd nv Ac rdtdCo lcinAc n ysn .No. 1 -v 0 2 5 2 5U.
. t2 , 01 ) Dr e . ce ie le to e c I c, 3:4 c - 0 5 , 01 S.
.
Dit LEXI 7 28 ,a * 0 ( D.Va J n 1 ,2 5 (p r vn a bli rt o $ 0 .0 a d
s.
S 5 5 t 2 E.
. u e 0 01 ) a p o ig il ae f 3 00 n
ng
notngt tpl i ifsc
i ha antf ' ouns lpr viusyha be n a r d f sba e on t s r t i smia
e e o l d e wa de ee s d he ame ae n i lr

c s s;Vad z 2 5 U..Dit LEXI 7 2 6 a * (e u i t er tso pa te atr y t
a e ) le , 01 S s.
S 6 9 , t 9 r d cng h ae f rn r tone s o
$250. )
00 .
The num be of hour e nde ,by Rog r ' a tr
r
s xpe d
e s to neys a t i s
nd her uppor sa f whe
t t f,
n

c
ombi d wih t a i bl ho l r t s pr e a l sa fgur of $3, 50. Ha ng
ne t he pplca e ury a e , oduc s ode tr i e
972.
vi

c n ie e t eoh ra plc bef co s tec u t id t a n f rhe a j sme t fteld sa i
o sd r d h t e p ia l a tr,h o r fn s h t o u t r du t n o h o etr s
wa r nt d i t i tntc e. Ac or ngl t c t l a r a tr sf e i t n o tof
ra e n he nsa as
c di y, he our wil wa d to ney' e s n he m un

$3, 50.
972.
e
ed t
s
Roge sas s e t r c rcossi t n
r lo e ks o e ove t n he mountof$ 00. The r quest cos s consit
470.

oft $400. flng f ea a $70. f epad t t prva epr es s r r Alhought Fourh
he
00 ii e nd
00 e i o he i t oc s e ve . t
he
t

Cic t a n t d r se t itr lybewe n j1 9 k a( )a d2 U. C. 1 2 ,h c u t l
ruih s o a d e sd he nep a t e 6 2 ()3 n 8 S. j 9 0 te o r wil
e cs is dic e i t lm i t coss i t s m a tr t t e r c r bl l
xer ie t s r ton o i t he t n hi
te o hos e ove a e mder t lte
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pr s o See e c. H ut he v. W es A s et M gm t.l . N o. 1: 00996, 201 U . D i t
ovi i n.
- . , c ns
t s
. nc ,
113 S. s .

LEXI 45263,a *1 ( D.W . .Mar 29,201 (bsr i t tGlj ' ha dee ne t t
S
t 6 S.
Va .
3) o e vng ha çc ouls ve tnni d ha
t
t c ta r ptrua t j 1 2k()3)i lmie t t c t al dunde 28U. C.j 1 '
he os wad ls nt o 69 a( s i td o he oss lowe
r
S.
920'
)

(iain o te ) Be a s j 1 2 d e n te p e sy al w f rt er c v r o p iaep o e s
ctto s mitd . c u e 9 0 o s o x r sl lo o h e o e y f rv t r c s
f es t c tde lne t t x t $70. f e i ure i s r i t c pli t Se Be l a t v.
e , he our ci s o a he 00 e nc r d n e vng he om a n . e lof to

Re Ro i l tl No 7 1 -v 0 1 7 2 1 U. Dit LEXI 7 51 ,a * ( . Va J ne 1 ,
d bn n ', . :4 c - 0 6 , 0 5 S. s.
S 6 7 t 4 W D. . u 2
8

20 5 ( n a , .; e as See tveW a l s Co v. pe No.3:3 c 0 0 2, 1 U. Dit
1 ) Co rd J) s e lo lci
y n . . Ap l, , 1 -v- 0 4 20 7 S. s.

LEXI 4 2 , t* ( . Va J n 1 , 01 )( o n, . (j iig t te wihn teW etr
S 2 0 a 4 W D. . a . 1 2 7 M o J) Gonn he rnd t i h sen
D i t it of V igi a 't de lne t t x t c tof prva e pr ce s s l r s nc Gi sm pl i not
sr c
r ni ' o c i o a he os
i t o s e we s i e st i y s

n
mongt sxtxa ec t lse i j1 '. Acc di y,hecou twila r c t agans t
he i a bl oss itd n 920'
)
or ngl t
r l wad oss i the
de e nti t a ountof$400. '
f nda n he m
00.
C oncl on
usi

Fo t er a o sae ,t c u t l g a tRo es moi n f rd fu t ud mç ta an t
r h e s ns ttd he o r wil rn g r' to o ea l j g n g is
Slmm i Rec i bls J
l t
eva e . udgment wil be e e ed i f vo of Roge s a a i t Summ i
l
nt r n a r
r nd gans
t

Re eva esi t a ountof$5, 50,whih consss o $1000. i sa u or da a s a
c i bl n he m
372.
c
it f , 00 n t t t y m ge nd
$4, 2. i a tr sf sa c t .
37 50 n to ney' ee nd oss
TheClr i die t dt s nd c e oft sme or ndum o ni andt ac ompa ng
e k s r c e o e opi s hi m a
pi on
he c
nyi
or rt t de e nta a 1c
de o he f nda nd 1 ouns lo r or
e f ec d.

ENTER: sW v da ofMa c 201
This
y
r h, 8.

Se rU nie St t s Di t i tJ e
ni
t d a e sr c udg

9