Drew v. Valley Credit Service, Inc.

Filing 14

MEMORANDUM OPINION. Signed by Senior Judge Glen E. Conrad on 3/14/18. (jcj)

CLERKS OFFI U. . DIT.
CE S S COURT
AT ROANOKE.
VA
FIED
L

I THE UNI
N
TED STATES DI
STRI COURT
CT
FOR THE W ESTERN DI
STRI OF VI NI
CT
RGI A
CHA RLOTTESV I
LLE D I I ON
V SI

MA2 1j 2 1
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AlpurzCLRK
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KENA DREW ,
Pl i if
antf,

Ci lAci N o.3: 7CV00083
vi ton
1

V.

M EM OM NDUM OPI ON
NI

VALLEY CREDI SERVI l C.
T
CE, N ,

By:Ho Gl n E.
n. e Com ad
Se orUnie St t sDititJ e
ni
t d a e src udg

D e e nt
f hda .

Pli tf Ke Dr w brngs t s a ton a ns de e nt Valey Cr t Se v c , I
a n if na e
i
hi c i gai t f nda
l
edi r i e nc.

(VCS' u e t eF i De tColcin Prcie Ac (h (
ç ' nd r h ar b l to a tc s t t e TDCP ' 1 U. C. 1 9 x sq.
ç )
e
A' 5 S. j 6 2 1 e
)
Th matri c re ty b f r t c u to d fnd n ' moin t ds s f rlc o s be t
e te s u rnl eo e he o r n ee a ts to o imis o a' f u j c
k
matrj rs ito p ru n t Ru e 1 ( )1 o teFe ea Rue o Ci lPr c dze Fo t e
te u id cin, u s a t o l 2 b ( ) f h d rl ls f vi o e l . r h
r
r as sa e be o t m oton wilbede ed.
e ons t t d l w, he i
l
ni
Backeround

On Aprl26,201 VCS m al d alte t Dr w i or nghe t ts owe $465. t a
i
7,
ie etr o e nf mi
r ha he d
00 o

ce i rf rt ad me ia e p n e .Co l ! 21 2 2 Dk . 1 Thelte sae t t
r dt o mp i d c l x e s s mp . ! , 4, 7, t No. .
o
etr tt d ha
Sll i d b ma o ma n tar a y b i y t 5l wi ce i rp ri a e ce . Re ade s
s th s e t y r y o le d e n o l e t rdt e o t g n is g r ls
t
r
h
ng
VCS,I C.i a da a fm ls r t c ed tr pori age i s a m i r po tt s de t s h
N
s
t t ihe o r i e tng nc e nd ght e r hi bt o uc

a e ce .'Ll!38 Drw d dno ma ea yp y n stwadt d b a t a tme La 3 .
g n is' ts . e . t k n a me t o r he e t t h t i . d ! 2
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i
u
On Ma 2 , 01 , e e a tmaldas c n lte t Drw.J !3 .Thi s c n lte
y 4 2 7 d fnd n ie e o d etr o e . 0
Z
s e o d etr
sa e t tDr w oWe $1 00 on t de i ntle i t Aprl26 l te a con aned a
tt d ha e
d 75.
he bt de i d n he i
e tr nd t i
sgne sae e by ç aas L,'who as e td t ts ha ve ii wih t c é t rt tDr w
i d t tm nt t t ha '
N
s re ha he d rfed t he r dio ha e

o d $ 7 .0. I ! 3 - . Afe r c ii g t M a 2 lte ,Drw c le VCS wh c
we 1 50 d. ! 0 31
tr e ev n he y 4 e tr e ald
, ih
it me he ta s o d$ 6 .0 n t$1 5.0 J ! 3 - 6
nbr d r h t he we 4 50 , o 7 0 . Z ! 5 3 .

On De e be 6,201 Dr w fl a co pli agans VCS al gi t e vi a i of
cm r
7, e ied
m a nt i t
le ng hr e oltons

t eFDCPA: ()t eus o fle d c p i , rmila i grp e e tto si c l cinwiht
h
1 h e f as , e e tve o se dn e r s nain n ome to t he
c l cin o panifsd b ,nvilto o 1 U. C.j1 9 e ( )t flerp e e tto o t
ol to f litf e t i oain f 5 S. 6 2 ; 2 he as e r sn ai n f he
e
c rce, mo n,o lg lsauso t ep an ifsd b ,n vo ain o 1 U. C. 1 9 e 2 ( ;
haa tr n u t r e a tt f h litf e t i ilto f 5 S. j 6 2 ( )A)
a d ()t eus o aflerp e e tto o d c p i me n t c le to atmp t c le tt
n 3 h e f as e r sn ai n r e e tve a s o olc r te t o o lc he

p an ifsd b ,n vo ain o 1 U.. j1 9 e 1 ) Drw alg st a t c nlcign u t
litf e t i ilto f 5 SC. 6 2 (0 . e l e h t he o titn mo n s
e
o d b i t ltesçe'( r t t eo t etu n t o t eDe t' I . 3 Ad iin l
f e t n he etr ç f he) mst f h r e momt f h b ' d ! 7. dto al
lt
r
y,
s cli s t tt çe vo la nmbi ous sae e ' c
he am ha he tqui ca nd
gu
tt m nt' once ni c edi r pori ag nces
r ng r t e tng e i
l
G d l a t l a ts si a e c ume - oreve a r s na e c ume --conf s d a
woul e ve he e s ophitc t d ons r
n ea o bl ons r
u e nd
l tt gue sa whehe De e nti e
ef o s t t r f nda ntnded t r por t De t t c e tr pori a nces'
o e t he bt o he r di e tng ge i .
'

Ja!3 Th c mplitsae t t( fit e t h no a c nsl rsrg tu d rte FDCP
# . 8. e o an tts ha t alr o o r o l ' ih n e h
a l
me
A
c n t ue a ij r i f c f rAril IIsa ig' I !5
o si t s n n u y n a t o t e I tndn . d. .
t
c
'
On Jn r 1 ,2 7 d fnd n mo d t d s s t i a to f rlc o s b e tmatr
a uay 2 01 , ee a t ve o imis hs cin o a k f u j c te
j rs ito p ru n t Rue 1 ( )1 o teFe ea Ru e o Cii Pr c d r. Thep rish v
uidcin u s a t o l 2 b ( ) f h d rl ls f vl o e u e
a te a e
s
ubmit t moton on t bre s a t m a tri now rpef diposton.
ted he i
he i f , nd he te s
i or s ii
St
andar ofR e e
d
vi w

Rue 1 ( )1 o te Fe e a Rue o Cii P o e u e pemis a pat t mo f r
l 2 b ( ) f h d r l ls f v l r c d r r t
ry o ve o

ds sa o a a to f rlc o s be tmatrjlid ci n Th plitf be r te b r e o
imis l f n cin o a k f u j c te t s ito . e ap if as h u d n f
r
pr vn t ts b e tma trj rs ito e it. Ev n v. F.pel sCo. 1 6 F.d 6 2 6 7
o ig ha u j c te u id cin x ss a s B. . r
dn , 6 3 4 , 4
(t Ci.1 9 ) Dimis lf rlc o s b e tmatrj idcin i a p o daeçft maeil
4h r 9 9 . s sa o a k f u j c te m s ito s p r p t ç he tra
i

j rs ito a fcsaeno i ds u e a d t mo i pa t i e tte t p e ala amatro
u id cin l a t r t n ip t n he vng ry s n i d o rv i s te f
l
lw. l (n ema q tto mak o te )
a ' d.itl l uoain r s mitd .
'

2

D i c s on
s us i

Aril 11o t Un td Sae Co si in l t tej ds ito o fd r lc u t t
t e I f he ie tts n tmto i s h u dcin f e ea o rs o
c
mi
a m a c s s or c r ve s e . I e urng t t a m a t r pr s nt an a t l c e o c r r y,
c l ae
ont o r i s n ns i ha
te e e s
c ua as r ontove s

c t co i rwhehe t pli if ha sa i t s
ours nsde
t r he antf s tnd ng o ue. Stnd ng r r s t tt d antf
a i equie ha he ç i if
pl

mu th v ()s frd a ij r i fc,()t a i fil ta e b et t c alng dc nd to
s a e 1 ufee n n u y n a t 2 h t s ary r c a l o he h le e o uc f
te d fn a t a d ( )t ti l l t berd e s d b a fv rb ej dca d cso ' S o e s
h ee d n , n 3 ha s i y o e r se y a o a l u iil e iin. p k o
ke
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l . Ro is 1 6S. .1 4 ,1 4 ( 01 )
nc v. bn , 3 Ct 5 0 5 7 2 , .
6
$ etbih ijlyi fc, p an ifmu ts w t a h o s es fee a i v so o a
To sa ls nt n a t a litf s ho h t e r h u f rd n n a in f
r
l ly pr e t d i e e tt ti c r t a pa tc a i d. Dr he v.
egal ot c e nt r s ha s onc e e nd riulrze ' e r Expe i I o.Solto e
'
ran nf
u i ns

I c,8 6F.d3 7 3 (t Ci. 01 )(n ena q o ai nmakso te )
n . 5 3 3 , 43 4h r 2 7 itr l u tto r mitd .An ij r i c n rt
nu y s o cee
i i i d f c o or r a ;howe r i ne d no be t ngi e Spo o,136 S.Ct a 15 f t s e at
el
ve , t t t
a bl .
ke
. t 48 49. I
n

d tr nngwh t ra itn il h r q ai sa a ij r i f c,c ursc nsd rh so ia
ee mii
ehe n n a gb e a m u l
se s n nu y n a t o t o ie itrc l
p a tc a dc ng e so l u g n. I a 1 4 Ho v r S n r s ' oei ie tf i a
rcie n o r sina j d me t d. t 5 9. we e, G g e s r l n d n iyng nd
co
ee aigitn il h r d e n t a t a apanifa tmaial stsist eij r n f c
lv tn n a gb e ams o s o me n h t litf u o tc l aife h nu pi-a t
y
r quie e whe ve a sa t e gr nt a pe s a sa ut y rg a pur t t a horze t t
e r m nt
ne r t tz a s
t
r on tt or iht nd pors o ut i ha
pe s n t s t vi c t t t rg . I Thus a pl i if who al ges ça ba e pr e a
r o o ue o ndi a e ha i ht' d.
'
,
antf
le
1 r oc dur l

vo ain, i o c dfo a yc n rt h r ' n n t sa l hij r i fc .1
ilt d v r e r m n o cee a m'c n o e tbi n u y n a t d.
o
s
Rah r a plitf ma alg t a Co g e s h s t lv t l! t t e sau o lg l
te , anif y le e h t n r s a t e aed o h tt s f e al
e
y

c g ia l ij s c n rt,X fco ij re t a wee p e o sy ia e u t i lw. 1 .
o nz be nude o cee
a t nu is h t r rviu l n d q ae n a ' d
'
(leai and i e na quotton maks o te . Pr ed a vi ai as s tsy t
atrtons
ntr l
ai
r mitd)
oc ur l oltons lo aif he
c r t nes r uie e whe s h vi l tons c eae a G ik ofr a hn m' t t s t ntve
onc e e s eq r m nt
n uc o ai
r t ls
r
e l r ' o he ubsa i

rghtt tt pr e a rghti desg t pptc. Se ia I t s ca e ,apli ifçne dnot
i ha he oc durl i s ined o e t e l n he e s s antf ç e
ql ea a to lha be
leg ny ddiina nn yondt oneCongrs ha i ntfed. J
he
e s s de ii ' Z
'

Reyi on Spoke t de e nt a g s t t t pl i if l c Ari e II sa i
l ng
o, he f nda r ue ha he antf a ks tcl I tnd ng
be a e s ha al ge onl ba e pr e alvi ai o t FDCPA . The pli ifcot e s
c us he s le d y r oc dm
ol tons f he
antf mt r

t ts e n e n talg a y h r be o d t h r Co r s r c g ie i j1 9 eb c u ea
ha h e d o le e n a m y n he n m ng e s e o nz d n 6 2 è a s

voaino t a s cin, tn igao e r s lsi ac n rt, efcoij r
ilto f h t e to sa dn ln , e ut n o c ee d a t nu y.
The c ta e wih t pl ntf. Congr s e t t FDCPA t pr e tco um e s
our gr es t he ai if
e s naced he
o ot c ns r
fo t ha m o e re ng Sa i de c lc i pr c ies by de c lc or . See 1
r m he r f xpe inci sbusve bt ole ton a tc
bt ole t s'
'
5

U.. j1 9 () Se to 1 9 ece tsd p iaerg to a to 'a ans ad b c le trt a
SC. 6 2 e . cin 6 2 rae ç rv t ih f cin' g i t e t o lco h t
a
e ge i ab i de c l c i pr c ies na ey çhe us of a f le, de ptve or
nga s n usve bt ole ton a tc , m l ç
t
e
ny a s
ce i ,
m iladi r e e ato or m e ns i c
se ng epr s nt i n
a n onne i wih t c lc i of a de .' Ba z v.
cton t he ole ton
ny bt'
ut

ARS Na' S r s.I . 2 6 F.S p 3 1 ,1 2 ( D. Y.2 6 (le ain a itr a
tl e v . nc, 2
u p. d 31 4 E. N. 01 ) Rtrto nd n en l

q tto mak o te ) $T) edr c vo ain o as cfc sa o y itr s t a Co g e s
uoain r s mitd . $ h ie t ilto f pe i tmt r n ee t h t n rs
E
i
has r c ze ' a oppos d t ' n a ilr p oc dur i r c i t t m a or ma not
e ogni ds' s
e o s ncla y r e al nfa ton ha
a
y
y

maeily h r t titrs' t sa ls sc n r t ij r f rp r s so Aril 11'i i i
tral a m ha n eet' t tb ihe o c ee n u y o u po e f t e 1' f t s
e
c
s fce l al ge 1 a 1 s alo ea. Bi r v.Pi e Cr i Re ove y.I s229 F.
uf inty le d. d. t 419 ee s , , be
one r ed t c r nc.

S p 3 4 7 4 8 ( D. . 01 )(e o niigt a t ec nd tie tse i j1 9 e G d b
u p. d 5 , 6 E. Va 2 7 r c g zn h t h o uc d n i d n 6 2 ,ç e t
a

c l co ' ile mila i ,d cpie o a u ie c n u t, c n rtl h nn a d bo b
ol trs -s, sedng e e tv , r b sv o d cg o ceey a s e tr y
e
a
q
d ti nal af ci ta d b o ' de iin r g r ig h sd b Bn n ilv.F rt ik I c,
erme tly fe t h t e trs cso s e a dn i e f); r h l ispon n .
ng
No 11 -v 8 2 20 7 W L 21 4 9 a * ( . N. M a 1 ,2 7 (sic S o e wa
. :5 c - 9 , 1
78 3 , t 5 M D. C. y 7 01 ) f n e p k o s
<

d cd d t emao iy o c u t h v h l t tFDCP v oain ,l e te o sa s re i ti
e ie , h j rt f o rs a e ed ha
A i lto s i h ne s etd n h s
k
c e (alr t lbe diputd de asdiputdq ae s tni vi ai a t pr uc
as fiu e o a l s e bt
s e , r ubsa tve oltons nd hus od e

to c ee ij re 's fi in t s tsy Aril 1Isr q ie n o ij r n-a t)(olcig
c n r t n u is u tce t o aif t e I' e urme t f nu pi fc' c le tn
c
'
c e hol ngt s me;Prndl v. ni t M o t Se v .LLC, 3:3- 1 J34PDB,
ass di he a ) i e Ca naon rg. r s,
No. 1 CV- 349--

2 6 W L 43 9 2 a * 1 ( . F a Au .1 ,2 6 (û e a s ( anif ha a p ro a
01
6 4 4, t 1 M D. l. g 6 01 ) GBl c u e pli t j d e s n l
r
f
4

sa ut y rghtt be fe fom a i de - ole ton pr c i s a be us s ha al d
tt or i o
re r
busve btc l c i
a tce , nd ca e he s lege

fcspa il s wi ta ( ee d nqvo ae ta rg t s e n e n talg a y a dto l
a t lusb y ho ng h t d fn a t iltd h t ih , h e d o le e n d i na
i
h r .. gn t ed fn a ts p i r a g me t t a g anif fie t alg a ya dto l
n m . a d h ee d n 'q rmay r u n- h t plitfl ald o l e n d i na
e
i
c r t hm' , s h as e onomi l s c so l t tme or e o i nal dite s .
onc e e m uc
c
c os , onR in, os i ,
m to
sr s

i
s

t v in ' (leain a ditma q oain makso te l.Thu , plu il alg to o
ma al g.) atrto s n n e l u tto r mitd )
i '
s a a sb e le ai n f
avi ai o j1
olton f 692ei a algai o t defcoha m t tCo r s e t t FDCPA t
s n le ton f he a t r ha ng e s ùaced he
o
r m edy.
e

He e t pl i ifha pl usbl al ge t ts r c ve c
r , he antf s a i y le d ha he e ei d omm uni to fo a de
cai ns r m
bt
c l c o t tco d c us t l a ts si t o e n a r a ona e c um e t e ince
ole t r ha ul a e he e s ophitcaed, r ve
e s bl , ons r o xpete

c u i t ts was i f tuns e oft n o ofde s o
onf son, ha he
n ac
ur
he m unt
bt he wed,a t tt sa e nt
nd ha he t t me

r g r i ce i rp rig a e is wa e uv c la d n g o s Co .! 3 - 8 Th s
e adng r dt e o t g nce s q io a n mbiu u . mpl ! 7 3 . e e
n

alg to s a sr dr c v oain 'fCo g e s s cfc sauo y itrs i prv n i 'e t
le ai n se t ie t i lto s o n rs ' pe ii tttr n ee t n e e tr d b
k
c lc i pr c ies t tco d mil d or de i co lm e s i ma ng de sons a
ole ton a tc ha ul sea
ceve nsl r n ki
cii
boutt r
hei

d b .Th s tec u t o cud st a tepanifha s fiin l alg d ac nceeij r i t i
e t u ,h o r c n l e h t h litf s u fce ty le e o rt n u y n hs
Case.

The c tdoe not be ive t t t ca e cied by t de e
our
s
le ha he s s t
he f ndantr quie a dif r nt
e r
fe e
c l i n. The de e nt r i o t c s s i pa tc a . Fis,i M a tn v.Consl e
oncuso
f nda eles n wo a e n riulr
rt n ri
tm r

Adi t e Co pa l ,t Cou tr l d t tapli ifl c sa ng t ptr ue he FDCPA
usm nt m ny. nc. he r u e ha
antf a ked t ndi o ls
r
ca ms a ii fo he r ceptofa lte c a ni t dif r ntbalnce f t s me de .
li rsng r m r e i
e tr onti ng wo fe e
a s or he n
bt

Cas No.1 011 CV- e
6- 80- W ODS,201 U. Dit LEXI 21 2,a *12 ( . M o.De 22,
7 S. s.
S 063 t - W D.
c.

20 7 . Th c u td ci e t rl o ti u p bihe a t o iy wl c a ay e sa dnga t e
1 ) e o r e ln s o ey n h s n u ls d u h rt , l h n lz s tn i t h
i
s mmayj d me tsa e rt e t na temoint ds s sa e
u r u g n tg , ah r ha t h to o imis tg .
Se nd,t de e nt cies Colm a v.Cha ts le Btr a o Cr dis l , Ci l
co
he f nda
t
e n
dote vil le u f e t . nc. vi
5

Acin No.3 1 CV1 7 2 7 W L 1 81 6 ( D. . r 1 ,2 7 . l Co e n t e Co r
to
:7 4 , 01
3 6 6 E. Va Ap . 7 01 ) n lma , h u t
rj ce t p an i sa g me tta $ vo ain o te FDCPA pe â c n tmtsa c ncee
ee td he litY r u n h t $ ilto f h
a
r : o si e o rt
ij r e ug t i o eAril I1sa i g' 1 . t* ( tr a q o ai nmak o te ) Th t
nu y no h o nv k t e I tndn . d a 4 i en l u tto r s mitd . a
c
'
n
c s i ve t vi ai n oft FDCPA' r quie e t de c lc or ac ur t l r por
a e nvol d he ol to
he
S e r m nt hat bt ole t s c a ey e t
diput d de a diput d. I The Cour obs r ed t tt pl i if di no alege t t s
s e bt s s e
d.
t e v ha he antf d t l
ha he
s f r l ny a t lha m 'i a ton t t sa ut y vi a i o f ce ars ofr alha a
ufe ed ç
a c ua r ' n ddii o he tt or olton r a d ik e
nn, nd
t Cour bei ve t tt sa or vi a i i n ii d i t co pl ntwas i t t o
he
t le d ha he t mt y olton de tfe n he m ai
i he ype f
not

c mmo 1w iv so o arg tt ti s x ce tt ce t t tp o c nceeijly e vso e
o n a n a in f ih ha s u in o r ae he y e f o rt n t n iin d
r
by Spo ' L. a * 4. Atlas oneot rc ehasdia e wih Colma Se Br v.
keo.' ds t 3,
e t
he as
s gred t
e n. e own R

& B Co rto o Vign a 2 7 F.S p 3 6 ,7 2 n8 ( D.Va 2 7 . I Br wn,t
po ai n f r ii, 6
u p. d 91 0 . E.
. 01 ) n o he
Co t r ognied t t S l t 1w m i not ha $o pe te r c r f f le
ur ec z ha ç e he a
whi
ght
ve l ng nnitd e ove y' or as
sa e e s i t coleci n o de ,Congr s s ct a l gr nt d cons r t s t n i
tt m nt n he l to f bt
es pe ik ly a e
ume s he ubsa tve
rg ofbeng fe f o a usvede qoleci n pr c ies' I a 701 02. Thi c ta ee t t
iht
i r e rm b i
bt l to a tc . d. t '
s our gr s ha
N

whe he a ha m wa r og ze atçommon lw i notde em i tve ofsa ng. Co e sm a
t r r
s ec ni d
a s
tr na i
t ndi
nr s
y

si ie tf a a ma, efcoij r t t sno c n iee ac mmo lw iv so o arg t
tl d niy n c l d a t n u y ha wa t o sd r d o n a n a i n f ih
l
a dee t t a ij r t t sau o alg lyc g ia l ij r .S eL=
n lvae h tn u y o he tt s f e al o nz b e nu y e d.
Ha ng r vi we t a ve c s a t pa tes mg l e s t co tc ude t t
vi e e d he bo a es nd he ri '
m nt, he ur oncl s ha

Drw ha sa dngt b ig h rF A cams Sh h sp a i l alg d vo ai n o j1 9
e s tn i o rn e DCP li . e a lusby le e ilto s f 6 2e

t a, tn igao e s tsyt ec ncee e srq ie n f ra ij r i fc.Co s q e ty t e
h t sa dn l n , aif h o rtn s e urme t o n nu y n a t n e u n l,h
c tw ilde t de e nt sm o i t di m i s
our l ny he f nda ' ton o s s .

6

C o us on
ncl i

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