Henson v. Santander Consumer USA Inc.
Supreme Court of the United States
1Opinion of the CourtJustice Gorsuch
Disruptive dinnertime calls, downright deceit, and more besides drew Congress's eye to the debt collection industry. From that scrutiny emerged the Fair Debt Collection Practices Act, a statute that authorizes private lawsuits and weighty fines designed to deter wayward collection practices. So perhaps it comes as little surprise that we now face a question about who exactly qualifies as a "debt collector" subject to the Act's rigors. Everyone agrees that the term embraces the repo man-someone hired by a creditor to collect an outstanding debt. But what if you purchase a debt and then try to…
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