Jeffrey Lox v. CDA Limited
Court of Appeals for the Seventh Circuit
1Opinion of the Court
FLAUM, Circuit Judge.
In 2005, Jeffrey Lox received medical treatment from Dr. Mark Baylor, and as a result, he incurred a debt. Lox failed to pay, and so his debt was referred by Dr. Baylor to Creditors Discount & Audit Company (“CDA”), a debt collection agency. One of the ways by which CDA attempted to collect Lox’s debt was through dunning letters, and one of those dunning letters included a warning that failure to pay his debt could lead to a lawsuit brought against Lox. The letter further stated that if Dr. Baylor was successful in his lawsuit, Lox could be ordered by the court to pay Dr.…
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