Legal Opinion
Pantoja v. Portfolio Recovery Associates, LLC
Court of Appeals for the Seventh Circuit
Decided March 29, 2017No. 15-1567PublishedCited by 63 opinions
1Opinion of the Court
HAMILTON, Circuit Judge.
Back in 1993, according to defendant Portfolio Recovery Associates, plaintiff Manuel Pantoja incurred a debt for a Capital One credit card that he applied for but never actually used. Twenty years later, long after the statute of limitations had run, Portfolio Recovery had bought Capital One’s rights to this old debt and sent Pantoja a dunning letter trying to collect. The federal Fair Debt Collection Practices Act (“FDCPA”) prohibits collectors of consumer debts from, among other things, using “any false, deceptive, or misleading representation or means in connection…
2Cases cited23 opinions
- Ruth v. Triumph PartnershipsCourt of Appeals for the Seventh Circuit · 2009
- Wendelyn Harvey v. Great Seneca Financial CorporationCourt of Appeals for the Sixth Circuit · 2006
- Evory v. RJM ACQUISITIONS FUNDING LLCCourt of Appeals for the Seventh Circuit · 2007
- Huertas v. Galaxy Asset ManagementCourt of Appeals for the Third Circuit · 2011
- Jeffrey Lox v. CDA LimitedCourt of Appeals for the Seventh Circuit · 2012
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3Cited by63 opinions
- Michael Kaiser v. Cascade Capital, LLCCourt of Appeals for the Ninth Circuit · 2021
- Stephen Holzman v. Malcolm S. Gerald & Associates, Inc.Court of Appeals for the Eleventh Circuit · 2019
- Barry Stimpson v. Midland Credit Mgmt., Inc.Court of Appeals for the Ninth Circuit · 2019
- Casimer Zablocki v. Merchants Credit Guide Co.Court of Appeals for the Seventh Circuit · 2020
- Nichole L. Richards v. Par, Inc.Court of Appeals for the Seventh Circuit · 2020
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