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Like a Video Game...the FDCPA Has An Expansion Pack

A few weeks ago, the Sixth Circuit Court of Appeals in Anarion Investments, LLC v. Carrington Mortg. Servs., LLC, Nos. 14-5781/5993 (6th Cir. 2015) brought to life a whole new meaning to the term “person”. On July 23, 2015, the Sixth Circuit expanded the applicability to Section 169k of the Fair Debt Collection Practices Act (“FDCPA”) to include “legal entities”. Section 1692k states in relevant part: “any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person.” 15 U.S.C. § 1692k(a).

The Sixth Circuit was not persuaded that the term “person” was limited in the natural sense of the word because the term “’person’ appears 24 times in the FDCPA. In some places, the term refers exclusively to artificial entities. Section 1692a(6)(B), for example, refers to “any person” who acts “as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control.” Id. at 3. It will be interesting to see what happens on remand, but for now, there remains much

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