Abby v. Paige et al, No. 1:2010cv23589 - Document 287 (S.D. Fla. 2012)
Court Description: ORDER Denying 234 and 235 Motions for Summary Judgment. Signed by Senior Judge James Lawrence King on 7/18/2012. (jw)
Download PDF
<![CDATA[
Abby v. Paige et al Doc. 287 U NI TED STATES D I STR I C O UR T CT SOUTH ERN D I STR I O F FLO R I A CT D M I IDI I O N AM V SI CA SE NO .102358 Cl - N G/ CAL1 9- V K1 M LEY FELI ABBY, CE Pl i if a ntf , ROBERT PAI GE,a W I Y POI nd ND NTE HOM EOW N ER S A SSOCI ON ,I C. ATI N , D ef nda s e nt . / OR DER D ENY I G DEFEN DAN TS'M O TION S FO R SUM M A RY JU D GM EN T N TH I CAU SE com es bef e t Cour upon D ef ndant W i S or he t e ndy Poi e nt Ho o r As oca i n, l ' M o i n f r S me wne s s ito nc.s to o umma y J me ( #2 ) a r udg nt DE 34 nd Def enda Robe tPai s Re nt r ge' newed a Suppl e a M oton f Sum m a y J nd em nt l i or r udgm ent ( #2 ) boh fldAprl2,2 2. r i Dee a ss e s DE 35, t ie i 01 Theen, fnd nt e k ummayj g ntont r ud me he i s ofw he hert bal nce owed by Pl i if Abby i a cons erde unde t Fai s ues t he a a ntf s um bt r he r De tCole to Pr cie Ac (( b lcin a tc s t i FDCPA' ,1 U. C.j 1 92 e s q,a t Flrda ' 5 S. ) 6 t e . nd he o i Co ume Colcin Pr cie Ac (S ns r leto a tc s t I FCCPA',FL S ' A. TAT.j 55 55 c s q. whehe ) 9. / e , t r D ef nda Robe tPa ge qualfes a a éde colec or'unde t FD CPA ,and w he he e nt r i ii s ç bt l t ' r he t r Pl i if Abby ha pr de s tci nt e dence i s antf s ovi d ufs e vi n uppor of he cl m f s a t r ai or l nder of Dockets.Justia.com tte. The Cour i f l br e ed on t m ater1U pon c ef c de a i oft Pari ' il ar ul onsi r ton he tes t s uly i f he t . ar e s as s f t i t r pl adi ,t Cour tnds t t Def ndant M otons f gum nt et orh n hei e ngs he ts ha e s' i or Sum m a y J r udgm e s d be deni nt houl ed. 1.Backgr ound On Oco e 6,2 0,Pli ifFeieAbb (ç y',ah o ri te W i y tb r 01 antf lc y i Abb ' ome wne n h nd ) Poi e r i i com pl x, fl a Com pl nt i a nt es dental e ied ai n bove- t e a i cl m i t syl d cton, ai ng hat Def endantW i Poi e and Def nda Pai W i Poi e' a t ney,m ade unl f ndy nt e nt ge, ndy nt s tor aw ul atempt t colec t bal e ofheras es m e acc t s o l t he anc s s nt ounta i pr l pl ed a le on nd m opery ac in he ho e ( #1 . S csc ly,Ab y alge vilto of te FDCPA a ans r us . DE ) pe i al b l s oains e h gi t Dee f ndant Pai a vi a i of t FCCPA agai tD ef ge nd ol tons he ns endant Pai and Def ge endant W i Poi e.Pl i if Abby a s ale s a r of tte aga ns bot D ef ndant bas d ndy nt a ntf l o l ges l nde il i t h e s e o a le t a wa pl c d on he pr pe t Thef l wi f cs a e u o e t d.( f n in h t s a e r o ry. olo ng a t r nc ntse De . Wi ndy Poi e' St e e of M a eral Fac s D E #233; D ef Pai s St t e of nt s at m nt t i t, . ge' a em nt M ae i l c sDE #2 PlsOpp.o Stt me ofM ae i l c s DE # 3 . tra Fa t 36; ' t ae nt t ra Fa t, 25 ) Pl i ifAbby r i a owns a hom e i t W i Poi e r i ntalc pl antf esdes nd n he ndy nt esde i om ex. ( #1 !1 DE # -) Plitf Ab y i ame ro t W i y Poi eHo o rs DE , 5; 21 1. anif b s mbe f he nd nt me wne' Asocain,I . nds b e tt t De lr to ofRe tito a Co na sfrW i y s ito nc a u j c o he caain srcins nd ve nt o nd Poi e, a am ende and r t t by vit of her ow ne s p of pr t i t W i nt s d es a ed, rue r hi opery n he ndy Poit r sd n i lc n e e i e ta ommuniy.( #1 2,a 3 -38 Abb De 9: -2 23,DE #1 3t DE 3- t 3 ; y p.1 22 0: 8 1 .Pu s n t t De l r to a s s me t a etmey d a pa bl t W i y Poit ) rua t o he ca a in, s e s n s r i l ue nd ya e o nd ne lPli ifAbby fldaRepons t Dee n W i Poi e' M oto ( #254)onAprl1 antf ie s e o fnda t ndy nt s in DE i 9 201 a Defnda W i Poi efldaRe y( #260)onAprl30, 2.Pli ifAbb 2, nd e nt ndy nt ie pl DE i 201 antf y as fl aRe pons t Dee ntPage' Moton( #272)onM a 31 201 lo ied s e o fnda i s i DE y , 2. t geh rwih a plc bl i e e t lt f e ,c t,a r a o b e a tr y' f e .( by o t e t p i a e ntr s, ae e s oss nd e s na l to ne s e s Ab De 26:-2 1 ,DE /1 3 1 . p. 6 8:8 /8 -) On Oct ober 6,2009, Pl ntf Abby r ei a lter fom D ef nt Pa ge on ai i f ec ved e t r enda i nt ng 20 or he r be l of D ef ndant W i ha f e ndy Poi e, demandi $572. f t Novembe 2009 a s s e of$77. alege S tduemai enanc and ot cha ge ,'and $1 00 i s esm nt 20, l d s pas nt e her r s' 50, n atr e s f e .( #1 4 .Th lte a s sae t ti Pli tf Ab di no pa t to n y' e s DE - ) e e tr lo t td ha f an if by d t y he $572. wihi 45 dayst tt As oci i hasi tuct met fl aLin agai tyour 20 t n hat the s aton nsr ed o ie e ns pr ry,whi h coul r ul i t l s ofyourpr t i you contnue t f lt m a ope t c d es t n he os opery f i o ai o ke pa me . (d..On No mbe 1 2 9,Pli ifAbb s bmit d a c c i t a u y nt' 1 ) ' ve r , 00 antf y u te he k n he mo nt of$7 2 ( #1 5 DE #1 6 . 7.0. DE - ; -) The on N ove ber 9, 2009, Pl ntf A bby r cei a l t fom D e e nt n, m ai if e ved eter r f nda ndy Poi e, confr i t t D ef nt Pai had nt im ng ha enda ge Pai on be f of Def ge hal endant W i 00 atr ha r cei d t c k f $77. a de e ve he hec or 20, nd mandi a pa ng yment of $500. no l e t n No e r21 2 9. DE /1 5 . a n, f nd n Pagei c t d t thewo dr c d a v mbe , 00 ( / - ) Ag i De e a t i ndia e ha ul e or Li n agai tPl ntf A bby' pr t i s di nots i paym e i a tm el m anner e ns ai i f s opery f he d ubm t nt n i y . (d.. 1) A tt t tm e,Pl ntf A bby c m uni t w ih he br he ,Thom as Abi nt, ha i ai if om ca ed t r ot r na i Es ,r ga di t mo e came due t W i dy Poi e ( by De 3 11 6,DE q. e r ng he nis li d o n nt . Ab p. 3: -1 #1 - ) M r Abi a t i a at r y lc ns d t pr c ie 1w i t sae a f de a 83 1 . . n n i s n to ne i e e o a tc a n he tt nd e r l c t ofNew Yor and Connectcut as w el as t Unied St es Cour ofAppea s f ours k i , l he t at t l or t S c nd Cic i.( #1 3- a ) M r Abi nt i no lc ns d t pr c ie lw i he e o r u t DE 8 2, t1 . . na i s t ie e o a tc a n Fl i a. I ) M r Abi nt di no s bmi a y i oi e orb li sae n st Pli if ord (d.. . na i d t u t n nv c s ilng tt me t o antf 3 Ab f rpr e so llga s r i e r lt dt t a ve syld a ton. Ab y De 3 8 by o of s i na e l e v c s e ae o he bo -t e c i ( b p. 5:- 3 9 1 2:-6sDE #1 3- ) Pl itf Abb do sno dip e t a s ha no p i Mr 7:, 3 1 8 1 . an if y e t s ut h t he s t a d . Ab n n if ra y p of s i llga s r i e r lt dt t a ve sy e a to (d.. i a t o n r e sona e l e v c s ea e o he bo -t l d c i n.1 ) On N ovem ber 20,2009,M r Abi nt s a l t t D ef ntPai i rng . na i ent eter o enda ge, nquii a u t as sme tc r e a ltessn b De e a tPag t Plitf Abb ( bo t he se s n hag s nd etr e t y fnd n ie o anif y.DE /1 7 .S rl t e e fe , an ifPage s nta f x t M r Abi nt,sai g t tPli tf / - ) ho t h r a tr Pli tf i e y a o . na i ttn ha an if Abby silowe as of$500. butt t$ r Pai wildeduct$1 00 fom t st al tl d um 00, ha $ . ge l M 00. r hi ot i ( anifAbb qc me t o ro fc wi ce rf sb 1 no tmor w. ( #1 f Plitf y o s o u fie t la und y 2 on o ro ' DE h ' 8 .Afe a dic s i n wih M r Abi nt, an ifAb i s d a c c t t Ro r E. ) tr s u so t . na i Pli tf by s ue he k o he be t Pa g Tr s Ac o nti t a un o $ 0.0 o No mbe 2 20 ( #19;DE i e u t c u n he mo t f 40 0 n ve r 4, 09. DE #1 3 4) Pl itf Ab wr t t e wor C J 8 - . an if by o e h ds û NDER PROTEST' o t c c s e I ' n he he k h s b te t Dee a tPag ( #1 3- .Plitf Ab as is d a c c i te u mi d o fnd n ie. DE 8 4) anif by lo sue t he k n h a u o $ 20 o Nov mbe 27, 09. DE #1 11 . mo nt f 77. n e r 20 ( - ) On D ec be 1 2009,Pl ntf Abby r ve anot r lte f om D e e nt em r 4, ai if ecei d he e t r r f nda Pai on behafofDef ntW i Poi e de ge l enda ndy nt, mandi a pa ng ymentof( $ $449. f t 70, or he t a oft pas due m ai ena and ot r c ges des r bed on t enc os s a em e ot l he t nt nce he har ci he l ed t t nt (e s $ 0. pa n ) t J nuay $7 2 a s s me t a a $1 0. at ne f e' ls 25 00 yme t, he a r 7.0 s e s n , nd 5 00 tor ys e . ' ( #1 1 .Thslte as i c td t tDee a tPag wo d plc aLin a i t DE -0) i etr lo ndiae ha fnd n ie ul a e e gans Pli tf Ab spr pe t i s e d d no pa t $ 70 wih n 45 da .(d.. fnda a n if by' o ry f h i t y he 449. t i ys 1 ) De e nt Pagec p e dl ma Abi n i Es 'o t De e r1 2 9 lte . I ) i o i d i- s na t, q. n he c mbe 4, 00 et r (d.. -ho ' The ne da on D e ber 1 2009, Pl ntf A bby r cei xt y, cem 5, ai if e ved a l te f om etr r D ef ntPai on behal ofD e endantW i Poi e,confr i t tD ef enda ge f f ndy nt im ng ha endantPai ge ha r i t chec f $77. daed November27,2009,and dema ng t ym e d eceved he k or 20, t ndi s pa nt i t a u o $ 2.0 b no ltrt n Jnuay29,20 (il'( #1 11.Ag i n he mo nt f 37 5 y ae ha a r 09 sc . DE - ) an, ' Def ntPai i cat d t he woul r cor a Li agai tPl ntf Abby' pr enda ge ndi e hat d e d en ns ai if s opery t i s di no s bmi pa e ti atmey ma ne .f ) f he d t u t ym n n i l n r (#.. o t e ton ns On J r 28, 201 Pl ntf Abby fl a pr se sat court ac i agai t anua y 0, ai if ied Defnda s Page and W i Poi e s ki t r e nt i ndy nt ee ng o ecove $400. ( #1 - ) Pli tf r 00. DE 3 1 . an if Abby' c t f flngt sae cour aci i uded a flng f of$1 00 a cossof s oss or ii he tt t ton ncl ii ee 25. nd t $ 5.0, f r a t t l of $1 0. ( ' S pl me t l Ans r t De s Fis Se o 2 0 o oa 5 00. P1s up e n a we s o f rt t n l trog t re #1. 6&7, #1 3 5 a 9) n e r ao i s 4, DE 8 - , t . On A prl27,201 D ef ntPai s Pl ntf A bby a l te ,al ri he t i 0, enda ge ent ai if et r e tng r hat he ha r de a le agai therPr t i t amountof $1, 00,t i ude t d ecor d in ns opery n he 095. o ncl he $1 00 baancer l t on he ResdentTr acton Re t $850. i at ney' f , 95. l eteced r i ans i por, 00 n tor s ees a $5 00 i c t. ( #1 1 ) Th lte de a e pa m e t i t a o nt of nd 0. n oss DE - 2 . e et r m nd d y n n he m u $1181. t i ude t $1, 00,al wih t M a 201 as es me of $86. , 65, o ncl he 095. ong t he y 0 s s nt 65. (#.. f) On J une 5, 201 Pl ntf Abby is 0, ai if s ued a c k t t Rober E.Pa ge Tr t hec o he t i us Accounti t a ountof$1095. whi r uled i t r ova oft len on he n he m , 00, ch es t n he em l he i r Pr pe t o J y 1 201 ( /1 3 6 . a n ifAbb a i wr t t e wo dsS o ry n ul 2, 0. DE / 8 - ) Pli tf y gan o e h r ' UNDER PROTEST'o t c c s e s bmitd t De e a tPag .( #1 3-) On Oco r ' n he he k h u te o fnd n ie DE 8 6 . t be 15,2010,Pl i ifA bby vol arl dim i s her sat cour ac i agai t Def a ntf unt iy s s ed t e t ton ns endant s Pag a d W i y Po n e.Ab De 5 11 7 DE #1 - ) i e n nd i t ( by p. 2: -1 , 83 1 . On Oct r 6, 2010,Pl ntf A bby, t ough he new l r t ned l obe ai i f hr r y- e ai ocal couns , el fl dt i tnta to al gng vi a inso t FDCPA a i tDe e n Pa g ( n ie he nsa ci n, le i olto f he gans f nda t i e Cou t 1, swela vilto oft FCCPA ( un l)a Slnde ofTil ( u 11 a i t ) a l s o ai ns he Co t I nd a r te Co nt 1) gans De e da Page a De e da tW i y Po n e.( f n nt i nd f n n nd i t Compl, #1 .Be o e t Co tno .DE ) f r he ur w ar Def nt M otonsf Sum m a y J e enda s' i or r udgm e on al count . nt 1 s lI Le St . gal andard S ummayj gme i a pr p it whee te pla i sa s ppo tn mae il r ud nt s p o rae r h e dng nd u rig tras esabls t tt e i no genui is ast any m a eralf ctand t tt m ovi pa t i t ih ha her s ne s ue o t i a ha he ng ry s e tte t j gme a amatroflw. e FE R. V. 5 Ceotx Cop.v Car t, nild o ud nt s te a S e D. CI P. 6; l e r . tet 4 U. 31 32 ( 986 .f o tep i i lp possoft s 77 S. 7, 2 1 ) ' One f h rncpa ur e he ummayj g n r e r ud me t ul i t i at and dipos of f t ly uns s o sol e s e acua l uppor e cl m s or def ns ' Cel e 477 U , t d ai e es. ' otx, S. at323-24. The m ovi pa t bea st bur n ofpoi i t t pa toft r cor t s s ng ry r he de ntng o he r he e d hat how t a e e ofa genui i s ofm a eralf t SeeAdi s v.S. Kr s & Co. 398 U . he bs nc ne s ue t i ac . cke H es , S. 1 4,1 7 ( 97 ) Ale v T on Fo s I . 1 F. 6 ,6 ( 1h Ci.1 7) Onc 4 5 1 0 ; ln . ys od , nc, 21 3d 42 46 1 t r 99 . e t m ovi pa t es a ihes t abs he ng ry t bls he ence of a genui i s of m a eralf ct t bur ne s ue t i a , he den s fs t t nonm ovi pa t t go beyond t pl di and desgnat ts cisc f t hi t o he ng ry o he ea ngs i e spe t ac s s howi t t t e i a genui is f t i .' Cel e 477 U . a 324; s alo ng ha her s ne s ue or ral' ot x, S. t ee s an tv we r f a. n . 2d 47 4 1 t r 9 ) Chanel I . v Ial Acie a o Fl ,I c,931 F. 1 2,1 77 ( 1h Ci.1 91 , nc . t i ( ol ng t a t no m o ng pa t mus d o f nva d wih sg fc n ,pr ba i h di h t he n vi ry t û me o r t i niia t o tve c e d nc d mon ta i t e se eofati b eis eoff c .) vi e e e sr tng he xit nc ra l s u a t' . ' S ummayj me ma be i pp o it e n whee t pate a r e o t s s r udg nt y na r prae ve r he ris g e n he ba i f t ,but di agr about t f t l i e e s c ac s s ee he ac ua nf r nces t t s d be dr wn fom t e ha houl a r hes f t ' W ar or Tombi ac s. ' ri gbee Tr p. Co. I v.M /V N an Fung,695 F. 1 ans , nc. 2d 294, 1 296 ( 1h Ci.1 3 . amoto f rs 1 t r 98 ) On in o ummayj me t t c ur mus viw t e de e r udg n, he o t t e he vi nc and r ol a l i e e es ve l nf r nces i t lght m os f vor bl t t nonm ovi pa t See n he i t a a e o he ng ry. b n , 77 S. 42, 5 1 6 . we r r cntla f Ande son v.Lf rf Lob y,I c. 4 U. 2 25 ( 98 ) Ho ve ,ame e s i il o r :e -p e de i s vi nce n uppor oft nonm ovi pa t s poston i i ufs e t def t a m oton t he ng ry' ii s ns tci nt o ea i f rs mmayj g nt S ei a 25 l t e de eofr db t non vi pat i o u r ud me . e d. t 2. f he vi nc fee y he mo ng ry s meey c o a eo i n sg sc nl prbai , ummayj dg nti pr p r Se i a rl olr bl r s ot ini a ty o tve s r u me s o e . e d. t 249-50. 1 .Anal i 11 ys s W ih t i t nt M otons,D ef nt Pai and Def ndant W i t he ns a i enda ge e ndy Poi e s nt eek s mmayj dg n o alc uns S cfc ly,De e a t ag t tt baa c o d u r u me t n 1 o t. pe i al fnd ns r ue ha he ln e we doesnotqualf a a 'cons erde ' unde t FD CPA a t FCCPA ,t tD ef iy s s um bt' r he nd he ha endant Pai i not a Sde colec or'undert FDCPA ,and t tPl ntf Abby has pr s ed ge s k bt l t ' he ha ai if e ent i ufscint e dence of s a ns t e vi l nder of tte. Upon ca ef cons der i of t Pa i il r ul i aton he rtes' ar ent ,t uncont t e denc i t r d,a t r e gum s he esed vi e n he ecor nd he el vant a hort t Cour ut iy, he t fndst ti m us deny D ef nt 'M otons f Sum m a y Judgm e . i ha t t enda s i or r nt A.T Baa eo ant Ab y'Ase s nt c Qua6e W.a* e /'Und r he lnc fpli t b s s sme Ac ount l s C ' e t FD CPA and t FCCPA he he The FD CPA a t FCCPA ar desgne i er ala t elm i t a i pr ctc nd he e i d nt i o i na e busve a i es i cons e debtcolec i Speci ly,t s a ut spr bi c t n colecton pr ctces of n um r l ton. a l he t t e ohi t erai l i a i cons e de s Bot sat es defne S um r bt . h t ut i t um e de ' i i l a Sa oblga i or cons r bt' dentcaly s lny i ton ale l ged oblgaton of a cons e t pa m oney arsng out of a tans cton ....'FLA. i i um r o y ii r a i ' S TAT. j 5 9.5 1; 1 U. C. j 1 2() Alh gh t FDCPA do s n t d fn 5 5 ( ) 5 S. 69 5 . tou he e o eie dr n a to ' t Elve h Cic i ha e pli d t t S the o dna y me ni of s a s ci ns he e nt r ut s x ane ha s q r i r t ' r a ng i s lng t tes' (r ns ton' nece sa iy i ples s e t ta ac i s rl m i om ype of busnes dea i be ween pari .' Ha h n v.Mac AWu t nt I . 1 F. 1 7, 1 ( 1h Ci. 1 98 .Co t wtor e sme , nc, 40 3d 36 371 1 t r 9 ) urs gener l a yzew he he an a ountdue qualfesas a l bt'unde t A c s i t s e aly nal t r m ii t ' de r he t n he am m a r See gener l W ri v.Bus Ros , P. , Cas N o. 8: c nne . al y ght h s A. e 07- v-1885- 23M AP, T- 20 W L 1 0 , a * ( . Fl. J n. 1 , 2 08 (oo ng t fdea c urs 08 9 466 t 2 M D. a a 8 0 ) l ki o e r l o t' i em r t tons of a tde ' under t FD CPA t det m i what qualfe as a Sde ' nt e a i k bt' he o er ne ii s û bt' u e t eFCCPA) nd r h . Her D e e nt a e, f nda s dvance t fi ous a gum e t t pashe rvol r nt ha t due hom e ne s ow r' as e s ent do not qualf as a Sde ' under t FD CPA and t FCCPA . A s ssm s iy ç bt' he he a k wldg dbyDee a t i t i tn moin ,ti Co r ha ara y rj ce t s c no e e fnd ns n he nsa t to s hs u t s le d ee td hi vey a g n i isOr e De yi De e a t ' o i n t Dimis ( # ) r r ume t n t d r n ng f nd n s M to o s s . DE 27 . A le atvey,D ef nt ar t t t r ani bal tm i l enda s gue ha he em i ng ance on Pl i if Abby' a ntf s as s m ent acc se s ount w as l e f es,whi h a e notconsder (debt ' unde t FDCPA at e c r i ed s s' r he a t FCCPA ,as oppos t pa tdue hom eow ne ' as es m e s.See e. ,D ur v. nd he ed o s r s s s nt , g. so Su rBr k Pr s r e Ho o r As ' 41 F.Su 2 1 6, 1 65 ( . Fl . mme oo e e v me wne s sn,6 pp. d 25 2 M D. a tes iy s he 20 ) (i ng t t lt f s l vi d as penali do not qualf as debt under t 08 fndi ha a e ee e e FDCPA) The Co r ha r viwe t e d nc i t e r c r ,i l ng a lte s ntb . u t s e e d he vi e e n h e o d ncudi etr e y Def ndant Pai on be f of D ef nda W i Poi e dem andi Pl ntf A bby pa e ge hal e nt ndy nt ng ai if y 8 (he s of $572. f t t a of t pas due mai e nce and ot c r l um t 20, or he otl he t nt na her ha ges de c i e o t e l e sae n . ( # 2- a 1 .The S ncos d sa e nt s rb d n he ncos d tt me t' DE 23 3, t ) ' d l e t tme ' e ' r e r t i t lteri al o par oft r cor I pr desan accountng oft char ef r ed o n he e t s s t he e d. t ovi i he ged as e s ent and Pl ntf Abby' pa ent as wel as t applca i of l e f i ssm s ai if s ym s, l he i ton at ees n $25. i r nt and a nitai coleci f es i $5. i ement .1 a 2.Thi 00 nc eme s dmi sr tve l ton e n 00 ncr s d. t s a ccountng r l t ,ata1 r l vanttm es t bal i evea s hat 1 ee i , he ance ow ed by Pl ntf Abby i l ai i f ncuded pa tdue as es m e sa adm i sr tve colec i f A ccor ngl t Cour fndst t ss s nt nd ni ta i l ton ees. di y, he t i ha t ba ance ofPl ntf A bby' accountqualfes as a Cdebt'undert FD CPA a t he l ai if s ii s ' he nd he FCCPA .2 See genera1 Br 1 own v.BudgetRentA- Sys e s I , 11 F. 922,925 - car t m , nc. 9 3d y ( 1hCi. 9 )( dn a miitai fe flwi nt FDCPA) 1 t r 1 97 holig d nsrtve e s al t he hi . B.TheeI Su ce Re o dEvde et Su po taFi ig t tDe nd nt r s m int c r i nc o p r ndn ha fe a Pai I a # e Colect 'Undert FD CPA ge s * / l or' he I t M oton f Summ a y J n he i or r udgm ent D e e ntPa ge a nc f ar e s , f nda i dva es our gum nt a t why he do s no q aiy a a i e t c le tr' u r t FDCP ( ) t s o e t u lf s s b olco' nde he d A: 1 he ho o e ' a s s me t we e n t i d f ul;( De e n Pa g o an d Pli if me wn rs s e s n s r o n e a t 2) f nda t i e bti e antf Ab y' a c n pro t a y d f u t ( ) Defnda t Page wa a a n o De e nt b s c ou t ir o n e a l; 3 e n i s n ge t f fnda W i y Pon e a d ( De e a Pagewa e o cng as c rt i t r s i t f r ofa nd it ; n 4) f nd nt i s nf r i e u iy n e e t n he o m n unper ec ed len.The Cour w iladdr seac ar e i t n, f t i t l es h gum nt n ur 2 The Cour a s not t t D e e t lo es ha f ndan s a gume t t Pl i if Abby' mont y t' r nt ha antf s hl pa e swe ea i t he pas- ue a s s m e ba a a no t he l t f si c r y t ym nt r ppled o r td s e s nt l nce nd t b r ae ee s ontar o Fl rda lw.Purua t Fl i St t e t ny pa e r e ve by a as oc ai a a ce e oi a s nt o orda aut , i a ym nt ec i d n s i ton nd c pt d s al ea pid/rft a y itrs a c e ,h n t a y a miitaielt fe te t a y c ss h l b p le y o n n eet c nzd te o n d n srtv ae e ,h n o n o t a r as bl at r y' f e i ured i c l ton,a t t t d i ntas e s e . nd e ona e to ne s e s nc r n olec i nd hen o he elnque s s m nt' ' FL ST .j7 .0 5 34 )(mp a i a d d . s migDee d n sc mp id wiht Flrd A. AT 203 8 4)b e h ss d e ) Asu n f n a t o le t he oi a Stt e,Pl i if Abby' m o hl pay e s wer a id t t lt f e a admi sr tve aut antf s nt y m nt e pple o he a e e s nd nitai c lc i f esfrta t n t t pa tdue a s s ntba a e.Ass h,t baanc ofPl i if ole ton e is nd he o he ss es me l nc uc he l e antf Abby' a c s c ountwoul c i t i l e t pas- as e s e s d ontnue o ncud he tdue s s m nt . 9 TheFDCPA defnes ûde c l t ' as Sa pe s who us any i tum e alt i ç bt olec or' tny r on es nsr nt iy of i e s a e com m e ce or t m ais i any bus nes t prncpa pur e ofw hi i t nt r t t r he l n i s he i i l pos ch s he colec i of a de s or w ho r ary colect or a t pt t colec , diec l or l ton ny bt , egul l l s tem s o l t r ty se d o e d r ue no h r' 5 S. ' i r l de s o d o du or a s de t b owe o d a t e . 1 U. C. j ndiecty, bt we r e 1 2 ( .The FDCPA e prsl e lde fo te tr S btc lco ' ( ny pe s 69 a6) x e sy xcu s r m h em û de ole tr' û a ron c le tn o a tmp i g t c le ta y de t. .(h t i i i ntlt abo tdefd ir o lci g r te tn o o lc n b . t a q s ncde a o na s i uc ay o ia i o ab a fd e c o ar ng me t .. ( r ade twhih wa n ti d f ul a blg ton r on i e s r w ra e n . o l b c s o n ea t t t tmei wa ob ane by s hpe s n. 1 U. C.j1 2a 6 ( . he i t s t i d uc ro ' 5 S. 69 ( )F) ' W ih r d t fr t a gum e , Def ndant Pai r i upon D ef t egar o i s r nt e ge eles endant W i ndy Poi e' f iur t des gna e Pl i ifAbby' acc nt s a l e o i t a ntf s ounti def ul unde isbyl w s asw el n a t rt a , l as on Pl ntf Abby' alegatons a s or t s i ony t ,i her opi on,s tm el ai if s l i nd w n e tm hat n ni he i y p i he a s s me s a d,t r f r ,wa ne ri de a t DE # ,a 5 8 .Ast a d r s e s nt n he e o e s ve n f ul.( 235 t & ) he FD CPA does not defne ddef t' t Cour t ns t t pl n m eani of t w or i s auls ' he ng he d. t ur o he ai A cc di t Bl k' La Di tona y,i a t'i dt f l e t pa a de w hen due.' or ng o ac s w c i r û ul' s ihe aiur o y def bt ' BL SLAW DI ONARY ( t e 20 ) Ac o digl t Cou tfndst twh r t ACK' CTI 9h d. 09 . c r n y, he r i ha e e he r cor evi ncer veal t ta pa t di notpa a s s ent w he due,t e as es m ent e d de e s ha ry d y s es m s n hos s s s a e consde ed t be i def tunde t FD CPA .I i ir e r i r o n aul r he t s rel vantf t pur es oft or he pos he FD CPA t tD ef nda W i Poi e di notdesgna e t acc ha e nt ndy nt d i t he ounti def tunde is n aul rt byl w s a . Furher Def ndant Pai s r i e on Pl ntf A bby' alega i t , e ge' elanc ai if s l tons t her hat a c u wa no i d ful i miplc d, sa t s c o nt s t n e a t s s a e a t he ummayj gme sa ,ac r mus r ud nt tge ou t t go beyond t alega i i t pl di a l att evi nce i t r d.Cel e he l tons n he ea ngs nd ook he de n he ecor ot x, 1 0 477 U . a 324.Her des t Pl ntf Abby' alega i a s or t tm ony t t s S. t e, pie ai if s l tons nd w n es i ha he tm el pai he as es m ent ,t e de i t r or nam el t due da e f paym ent i y d r s s s he vi nce n he ec d, y he t or oft m ont y as es m e s t dat of Pl ntf Abby' chec ,and D ef nda Pai s he hl s s nt , he e ai i f s ks e nt ge' own s or t s i ony t Pl i if Abby' as es m ent w e e pas due, i ca es t w n e tm hat a ntf s s s s r t ndi t hat Pl ntf Abby cons senty pai t m ont y as es m ent a t t desgnat d due da e.I ai if it l d he hl s s s fer he i e t n addii Def ntW i Poi e as i ton, enda ndy nt sgned l t pa entf t Pl ntf A bby' account a e ym ees o ai if s a D ef nd endant Pai s l te s t Pl ntf A bby t colec ûpas ge ent e t r o ai if o l t ç tdue as es m ent ,' s s s' be a s he mon hl a s s me swe ei de a l. DE #2 - DE # - ) Ac o dngl c u e r t y s e s nt r n f ut ( 53 2; 253 3 , c r i y, t Cour fnds t e t be s fc ent evi nce i t r d t s he ti her o uf i i de n he ecor o uppor a fndi t t t i ng ha Pl ntf Abby' m ont y as es m ent w er i def ul s ast qualf D ef ntPai as ai if s hl s s s en a to o iy enda ge lde cole or' i bt l ct 'undert FDCPA . he l s n uppor of t s t he econd a gum e , D ef r nt endant Pai m ai ai i a s or ge nt ns n w n decl aton t the obt ned Pl i i fAbby' as es m e account a s as s bought ar i ha ai a ntf s s s nt s oon he h rp o ry,whihwa pro t a ydea l. PageDe l! 1 DE /97 7 . c r ngt e r pet c s ir o n fut( i c. 0, / - ) Ac o di o D ef ndantW i Poi e' c m uniy as oci ton m a e ndy nt s om t s ai nager howeve ,D ef ntW i , r enda ndy Poi e' m a nt s nagem ent com pany di not r f r Pl ntf A bby' as es m ent a d e e ai i f s s s ccount t o D ef ntPai f c l ton untlSe ember2009,w hi w as a t Pl ntf A bby had enda ge or olec i i pt ch fer ai if pa d he as es m ent l t f t pr edi sx m ont Spec fcaly, i w as not untl i r s s s a e or he ec ng i hs. ii l t i S p e e 20 t t De e da Page wa a ho ie t c nt c Pl itf Ab ( s e t mb r 09 ha f n nt i s ut rz d o o a t an if by a evi nce by a $50 chage a de d r dded t t r i ' account a an exe ed o he esdents nd cut û t rz to t Pr c e ' r gadi g he a s s me t a c un o pr v de wih ihe l ho i ai n o o e d' e r n r s e s n c o t r o i d t l Au ) t r sd n ta s c in r po tora c un hit r f rt dei ue to r'( a ke De l ! e i e t r n a to e r c o t so y o he lnq n wne . W l r c . ! ' 1 -11 DE / 2- ) Ac o d n y,t Co tfndst r t be s fc e te de e i t 0 , / 1 . c r i gl he ur i he e o ufi in vi nc n he 23 r dt s ecor o uppor a Gndi t D ef ntPai di notobt n Pl ntf A bby' debtuntl t ng hat enda ge d ai ai if s i he as es m e account w as i def ul, whi h qualfe D ef nt Pai as (debt r s s nt n a t c ii s enda ge d c l ct ' unde t FD CPA . ole or' r he For t t r ar e ,Def ndantPa ge ar he hid gum nt e i gues he i out i t cove age of t s s de he r he FDCPA ,becaus he w as D ef nda W i Poi e' agent a ator y f a vare y of e e nt ndy nt s nd t ne or it matr a i e fo pa tduea s s me c l ci n.( #2 ,a 11 . ama tro lw, te s sd r m s- s e s nt ole to DE 35 t ) As te f a t FD CPA ' i t ator he ç es o t neys who Segul ry' e ge i cons e - btcole i appl r a l nga n um r de - l cton a tviy. He nz v J n n , 51 U. 291 29 ( 99 ) He e t r c r e de c ci t ' i t . e kis 4 S. , 9 1 5 . r , he e o d vi n e ' de onsr t t ti w asD ef ntW i Poi e' r a pr m ta es ha t enda ndy nt s egul r ocedur t r erdelnquent e o ef i as sme a c unst Defnda Pag f c lci ( ak rDe l! 1 DE # 2- ) se s nt c o t o e nt ie or ole ton. W le c. 0, 23 1. Acc di y,t Cour fnds t e t be s f c e e de or ngl he ti her o ufi i nt vi nce i t r d t s n he ecor o uppor a t fndi t tD ef ntPai ,as D ef nda W i Poi e' ator y,r a l e i ng ha enda ge e nt ndy nt s t ne egul r y ngage d i de - l i ac i t on be f of Def ndant W i n btcolecton tviy hal e ndy Poi e s a t qualf nt o s o iy Def endantPai asûdebtcolec or'unde t FD CPA . ge t l t ' r he Fi l t Cour tndst Def ndantPai sf t a gum e f l asa m a t rof naly, he ts hat e ge' ourh r nt ais te lw .A sexpl ned i t s Cour ' e le Or r Denyi D ef nt M otons t D im is a ai n hi ts ari r de ng enda s' i o s s ( /2 ) a s c ai n a s s me f e , e n i Fl rda qu lf a S b s'u r t DE / 7 , s o ito s e s nt e s ve n o i , a iy s s t' nde he de FDCPA . C. r Ar Diput dFa t wih Re dt Cou Hlf Sl ro Til The e e s e cs t gar o nt or ande f te W ih r d t Pl ntf Abby' sande of tte c ai ,D ef nda s m ai ai t t t egar o ai if s l r il l m e nt nt n ha Pl ntf Abby has f l t pr ai if aied o oduc s fci e denc i s e ufi ent vi e n uppor ofhercl i .I doi t a m n ng 1 2 s Def ndant ofer l o, e s f egalc us ons ba ed on t r ow n i ep r a i of t f ct , oncl i s hei nt et tons he a s e. ,whe he or nott f ct oft ca e dem onsr t t tD ef g. t r he a s he s ta e ha endantW i Poi e ha ndy nt d t rghtt r d t le on Pl i if Abby' pr ry U pon r ew oft r or t he i o ecor he i n a ntf s ope t evi he ec d, he . Cou ttndst tDee da sha fie t me tt i bu d n a t s r l ha fn nt ve ald o e her r e t he ummayj gme r ud nt s a tofpoi i t t pa toft r cor t t s s t a e ofa ge ne is of t ge l ntng o ht r he e d ha how he bs nce nui s ue m a e i lf ct' See Adi es,398 U . at 157.A c di y,t Cour ûnds i m us de t r a a .' ck S. cor ngl he t t t ny s mmayj gme o Co tIIfrsa e o tte u r ud nt n un I o lnd r f il. l .C oncl i V us on Accor ngl upo consde a i of t r or a be ng ot m ie f l a s , di y, n i r ton he ec d nd i he s uly dvi ed i i O RDER ED , AD JU D GED , and DECR EED t t D ef nt W i t s ha enda ndy Poi e nt Homeow ne s As oci i r s aton, I , M oto f r S nc' s in o umma y J dg e ( # 4) a r u m nt DE 23 nd Def nt Rober Pai s Re e a Suppl ent M oton f Sum m ar J enda t ge' new d nd em al i or y udgm e nt ( # )be a t e s meaehe e y DENI DE 235 , nd h a r r b , ED. D ON E A ND OR DERED i cha be s a t J m es La e e Ki Feder n m r t he a wr nc ng al J tce Buidi a U nied St e Courhous M i i Fl i t s 18t da of Jul us i l ng nd t at s t e, am , or da, hi h y y, 201 2. C - J M Es LA w lsx cE K I G t N . . I TED STATES Dl slw c' r GE SOUTHERN DI STRI OF L RI A CT D - '' -'-- 1 3 CC: Couns f Pl ntf el or ai if Si N e na gahbani PO Box 566055 M i i FL 33256 am , 3055959078 Fax:305- 9079 595- EmalNe a ba s@ y ho c i: g h ni a o.om Couns f D e endant el or f s M ark Bl s ei um t n The Bl s ei La Fim um t n w r One Tur r Pl nber y ace Suie 302 t 1 9495 Bi ayne Boul r sc eva d A vent a,FL 33180 ur 786- 4- 604 51 1 Fa 305- 9710 x: 935- Emalmak@bl ti a c i: r umsenlw.om Sus H .April an l Fowl W hie Bur tP. . er t net A 21s Fl t oor 1 Sout tThid Ave 00 heas r nue For Laude dal FL 33394 t r e, 9543778100 Fax:954377- 01 81 Emal s@ f wlrwht.om i: a o e- iec Mi chaelLe i El ns w s ki Fowl rW hie Bur t,P. . e t ne t A 1395 Brc lA venue i kel 1 h Fl 4t oor M i m i FL 331 a , 31 305- 921 789- 3 Fa 305x; 728- 3 751 Emalmekns fwlrwhiec i: li @ o e- t.om 1 4
]]>
Some case metadata and case summaries were written with the help of AI, which can produce inaccuracies. You
should read the full case before relying on it for legal research purposes.
This site is protected by reCAPTCHA and the Google
Privacy Policy and
Terms of Service apply.
