Danley v. Encore Capital Group, Inc.

GRIFFIN, Circuit Judge.

Defendants purchased plaintiffs’ stale debts and attempted to collect, in addition to the debts, post-“eharge off’ interest. In this action, plaintiffs claim that this practice violates federal and Michigan debt-collection laws. Based on arbitration provisions contained in plaintiffs’ various account agreements, the district court compelled the parties to arbitrate, ruling that the agreements were enforceable and that the parties expressly authorized—via a delegation clause—an arbitrator to consider plaintiffs’ various “gateway” challenges to the arbitration provisions.…