Sandri v. Finance System of Green Bay, Inc., No. 19-1557 (7th Cir. 2020)
Annotate this CaseThe plaintiffs received collection letters from Finance System, seeking payment of medical debts. Represented by the same law firm, they filed materially identical class-action claims under the Fair Debt Collection Practices Act, 15 U.S.C. 1692, alleging the use of false, deceptive, or misleading representations, or otherwise unfair or unconscionable methods to collect a debt. They cited the letters’ statement that: “You want to be worthy of the faith put in you by your creditor …. We are interested in you preserving a good credit rating with the above creditor.” The Seventh Circuit affirmed the dismissal of the claims, reasoning that the plaintiffs have not alleged any injury, or even an appreciable risk of harm, from the alleged statutory violations and, therefore, lack standing.
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