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CEB Prac. Guide § 2A.16 -- Debts to which the FDCPA Apply - Definition of "Debt"

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In Rogoff v. Nat'l Credit Sys., No. 2:19-cv-01131-APG-NJK, 2020 U.S. Dist. LEXIS 204753, at *7-8 (D. Nev. Nov. 2, 2020), Judge Gordon denied a motion for judgment on the pleadings to a debt collector collecting apartment rent. Viewing the facts alleged in the light most favorable to Rogoff, the complaint adequately alleges a false representation of the amount of the… Read More

In Calogero v. Shows, Cali & Walsh, L.L.P., No. 19-30558, 2020 U.S. App. LEXIS 26109 (5th Cir. Aug. 17, 2020), the Court of Appeals for the Fifth Circuit said that the US Government’s retention of private debt collectors to collect overpayment of compensation to victims of Hurricane Katrina arose out of a “transaction” under the FDCPA. When Congress passed the… Read More

In Lynaugh v. Vincent, No. CV-19-04643-PHX-DJH, 2020 U.S. Dist. LEXIS 23246 (D. Ariz. Feb. 10, 2020), Judge Humetewa found that attorneys’ fees awarded in an underlying consumer litigation was not a debt incurred on a consensual basis and, accordingly, did not arise from a “transaction” under the FDCPA. The Court will first examine Defendants' contention that the attorneys' fees judgment… Read More

In Tuck v. Portfolio Recovery Assocs., No. 19-CV-1270-CAB-AHG, 2019 U.S. Dist. LEXIS 179274, at *9 (S.D. Cal. Oct. 16, 2019), Judge Bencivengo dismissed a TCPA and FDCPA claim for failure of proper pleading. First, she dismissed the TCPA claim. To "make" a call under the TCPA the person must either (1) directly make the call, or (2) have an agency… Read More

In Rudio v. Credit Control, LLC, 2018 WL 4772303  (N.D.Cal., 2018), Judge Donato dismissed an FDCPA and Rosenthal Act claim. Credit essentially inverts Rudio’s claim to contend that the FDCPA does not apply to settled or expunged debts. The point is not well taken. The FDCPA defines “debt” to include an “alleged obligation of a consumer” to pay money, “whether… Read More

In Picazo v. Kimball, Tirey, & St. John, LLP, 2018 WL 1583228, at *5 (S.D.Cal., 2018), Judge Miller granted an Anti-SLAPP action filed by a debt collector in a Rosenthal Act claim arising from alleged misconduct in a state court UD action.  Judge Miller first found that the Rosenthal Act prevailed over the litigation privilege under the facts of the… Read More

In Mrvich v. Midland Funding, LLC, 2017 WL 5999058, at *2–4 (S.D.Cal., 2017), Magistrate Judge Porter denied production of an FDCPA Plaintiff's tax returns to test whether the debt was consumer or commercial in nature. Defendant moves to compel production of Plaintiff's federal and state income tax returns for the years 2010 to 2012, and her federal and state income… Read More

In Marius D. Popa v. Winn Law Group, APC, et al., 2017 WL 6016567, at *2 (C.D.Cal. 2017), Judge Fischer dismissed an FDCPA class action because of the absence of a "consumer" transaction. In the FAC's First, Second, and Third Causes of Action, Plaintiff alleges violation of Section 1692e(10) of the FDCPA, as incorporated into the Rosenthal Act, prohibiting “[t]he… Read More

In Kohler v. Greystar Real Estate Partners, LLC, 2017 WL 1198925, at *3 (S.D.Cal., 2017), Judge Houston dismissed a Rosenthal Act case because the Plaintiff had not pleaded that the Defendant collecting renting fell within its terms. This Court agrees with Defendant and finds that Plaintiff's claim fails to establish that Defendant was engaged in the collection of consumer debt.… Read More

In Mashiri v. Epsten Grinnell & Howell, 2017 WL 127565, at *4 (9th Cir. 2017), the Court of Appeals for the Ninth Circuit weighed in on the split of authority amongst the circuit courts, finding that delinquent HOA assessments are "debts" under the FDCPA. The contents of the May Notice plainly belie Epsten's contention that it did not attempt to… Read More

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