Legal Opinion

Vincent v. The Money Store

Court of Appeals for the Second Circuit

Decided November 13, 2013No. Docket 11-4525-cvPublishedCited by 114 opinions

1Opinion of the Court

KATZMANN, Chief Judge:

This case requires us to determine if the consumer protections of the Fair Debt Collection Practices Act (“FDCPA”), 15 U.S.C. § 1692 et seq., and the Truth in Lending Act (“TILA”), 15 U.S.C. § 1601 et seq., apply to a mortgage lender that has purchased mortgages initially payable to other lenders and, after the homeowners defaulted on their mortgages, hired a law firm to send allegedly deceptive debt collection letters on its behalf. Plaintiffs-Appellants Lori Jo Vincent, Ruth Ann Gutierrez, Linda Garrido, and John Garrido (collectively, the “plaintiffs”) appeal from a…

2Cases cited35 opinions

  1. Chambers v. Time Warner, Inc.Court of Appeals for the Second Circuit · 2002
  2. United States v. Mead Corp.Supreme Court of the United States · 2001
  3. Gross v. FBL Financial Services, Inc.Supreme Court of the United States · 2009
  4. Lamie v. United States TrusteeSupreme Court of the United States · 2004
  5. Ford Motor Credit Co. v. MilhollinSupreme Court of the United States · 1980

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3Cited by114 opinions

  1. Strubel v. Comenity BankCourt of Appeals for the Second Circuit · 2016
  2. Avila v. Riexinger & Associates, LLCCourt of Appeals for the Second Circuit · 2016
  3. Retirement Board of the Policemen's Annuity & Benefit Fund v. Bank of New York MellonCourt of Appeals for the Second Circuit · 2014
  4. Campuzano v. Alavi FoundationCourt of Appeals for the Second Circuit · 2016
  5. Arias v. Gutman, Mintz, Baker & Sonnenfeldt LLPCourt of Appeals for the Second Circuit · 2017

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