Paula Casillas v. Madison Avenue Associates, Inc
Court of Appeals for the Seventh Circuit
1Opinion of the Court
Barrett, Circuit Judge.
The bottom line of our opinion can be succinctly stated: no harm, no foul. Madison Avenue Associates, Inc. made a mistake. The Fair Debt Collection Practices Act requires debt collectors to notify consumers about the process that the statute provides for verifying a debt. Madison sent Paula Casillas a debt-collection letter that described the process, but it neglected to specify that she had to communicate in writing to trigger the statutory protections. Casillas noticed the omission and filed a class action against Madison.
The only harm that Casillas claimed to have…
Also in this document: Dissent.
2Cases cited22 opinions
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