In re: Christopher Michael Marino and Valerie Margaret Marino

OPINION

FARIS, Bankruptcy Judge:

INTRODUCTION

Chapter 7 1 debtors Christopher Michael Marino and Valerie Margaret Marino sought sanctions against creditor Ocwen Loan Servicing, LLC (“Ocwen”) for its violation of the discharge injunction. The bankruptcy court held a trial and awarded the Marinos $119,000—one thousand dollars for each improper contact.

On appeal, Ocwen argues that the bankruptcy court erred because its correspondence with the Marinos was in compliance with state or federal law. It also contends that the court improperly considered telephone calls, which were not the subject of the…