Hart v. FCI Lender Services, Inc.

14‐191‐cv
Hart v. FCI Lender Services, Inc.
United States Court of Appeals 1
FOR THE SECOND CIRCUIT 2
______________ 3
4
August Term, 2014 5
6
(Argued: August 27, 2014 Decided: August 12, 2015) 7
8
No. 14‐191‐cv 9
_________________ 10
MATTHEW J. H ART, 11
on behalf of plaintiff and the class defined herein, 12
13
Plaintiff‐Appellant, 14
15
v. 16
17
FCI L ENDER S ERVICES, INC., 18
19
Defendant‐Appellee. 20
____________________ 21
B e f o r e : 22
WINTER , R AGGI, AND C ARNEY , Circuit Judges. 23
_________________ 24
Matthew J. Hart brings suit against FCI Lender Services, Inc., his mortgage 25
loan servicer and a debt collector, alleging that FCI violated the Fair Debt 26
Collection Practices Act (“FDCPA”), 15 U.S.C. § 1692 et seq., in sending certain 27
communications to Hart without providing statutorily required information 28
about his debt. The United States District Court for the Western District of New 29

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2
York (Charles J. Siragusa, Judge) granted FCI’s motion to dismiss for failure to 1
state a claim, ruling that FCI had not sent Hart any “communication . . . in 2
connection with the collection of [a] debt” under the FDCPA, 15 U.S.C. § 1692g. 3
We disagree and conclude that Hart adequately pleaded that FCI’s letter 4
triggered notification duties under the statute. Accordingly, we VACATE the 5
judgment and REMAND the cause for further proceedings in accordance with 6
this opinion. 7
8
D ANIEL A. E DELMAN (Cathleen M. Combs, Tiffany N. Hardy, 9
on the brief), Edelman, Combs, Latturner & Goodwin, LLC, 10
Chicago, Illinois, for Matthew J. Hart. 11
12
P RESTON L. Z ARLOCK (Spencer L. Durland, on the brief), Phillips 13
Lytle LLP, Buffalo, New York, for FCI Lender Services, Inc. 14
15
16
S USAN L. C ARNEY , Circuit Judge: 17
Matthew J. Hart sued FCI Lender Services, Inc. (“FCI”), his mortgage loan 18
servicer and a debt collector, seeking damages under the Fair Debt Collection 19
Practices Act (“FDCPA” or the “Act”), 15 U.S.C. § 1692 et seq., on behalf of 20
himself and others similarly situated. Hart asserts that FCI violated the Act by 21
sending him two written communications that failed to comply with FDCPA 22
requirements that debt collectors timely provide certain notices to debtors. The 23
first of the communications is a letter advising Hart that FCI had assumed 24
mortgage servicing responsibilities related to Hart’s mortgage loan. The second 25
is a payment statement that FCI sent Hart some months later. The Act’s notice 26

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3
obligations are triggered by a debt collector’s “initial communication with a 1
consumer in connection with the collection of any debt.” 15 U.S.C. § 1692g. 2
The United States District Court for the Western District of New York 3
(Charles J. Siragusa, Judge) granted FCI’s motion to dismiss Hart’s amended 4
complaint for failure to state a claim, ruling principally that the letter, which the 5
court viewed as primarily a transfer‐of‐servicing informational notice sent 6
pursuant to the Real Estate Settlement Procedures Act (“RESPA”), 12 U.S.C. 7
§ 2605, was not also a communication sent “in connection with the collection of 8
any debt” under the FDCPA. See Hart v. FCI Lender Servs., Inc., No. 13‐CV‐6076, 9
2014 WL 198337 (W.D.N.Y. Jan. 15, 2014). The District Court also ruled that Hart 10
failed to allege (adequately or otherwise) that FCI violated the FDCPA by 11
mailing the payment statement. Finally, the District Court denied Hart leave to 12
file a second amended complaint. On appeal, Hart challenges all three rulings. 13
Construing the FDCPA in light of its remedial purposes, we agree with 14
Hart that he has adequately alleged that FCI sent the letter “in connection with 15
the collection of [a] debt,” thereby triggering the FDCPA’s initial notice 16
requirements. We accordingly vacate the judgment and remand for further 17
proceedings, without addressing Hart’s alternative arguments that the later 18

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4
payment statement triggered those requirements and that he should have been 1
given a further opportunity to amend his complaint. 2
3
BACKGROUND 4
We draw this narrative from the allegations of Hart’s first amended 5
complaint, see App. 113‐32, including the documents attached to the amended 6
complaint as exhibits, see Fed. R. Civ. P. 10(c). We accept Hart’s well‐pleaded 7
factual allegations as true and draw all reasonable inferences in his favor. See 8
Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009). 9
Hart, a mortgagor, filed suit under the Act seeking damages from FCI, a 10
corporation offering “a full spectrum of loan servicing, collection and foreclosure 11
services locally or nationally.” Am. Compl. ¶ 8. As an “integral part of its 12
business,” FCI regularly collects payments on “non[‐]performing” loans—that is, 13
loans that are in default. Id. ¶ 11. Hart’s case rests primarily on a letter sent to 14
him by FCI in July 2012 (the “Letter”), after FCI assumed loan servicing 15
obligations for Hart’s mortgage loan from GMAC Mortgage, LLC (“GMAC”), the 16
prior servicer. Hart was in default on his mortgage loan when FCI assumed 17
servicing responsibilities. 18

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5
The text of the Letter requires our close scrutiny. Entitled “Transfer of 1
Servicing Letter” and dated “7/17/2012,” it consists of one and one‐half pages on 2
FCI letterhead in the format of a signed letter, and two numbered pages of 3
attachments. App. 123‐26. In the body of the Letter, FCI notifies Hart that FCI 4
has become his mortgage loan servicer: The text begins, “Please be advised that 5
effective June 28, 2012 the servicing of your mortgage loan with GMAC 6
Mortgage, LLC, secured by a Deed of Trust/Mortgage on real property, has been 7
assigned to FCI Lender Services, Inc.” App. 123. It informs Hart that his loan 8
number has been changed and instructs that “[b]eginning June 28, 2012 you 9
should mail your payments, including all past due payments, to FCI Lender 10
Services, Inc. . . . .” Id. The Letter provides relevant timing, payment, and 11
correspondence particulars about the transfer. 12
The body of the Letter also refers expressly to consumer rights conferred 13
by section 6 of RESPA. Congress enacted RESPA to protect consumers from 14
certain “abusive practices” that had developed “in some areas of the country” 15
with respect to the settlement process used for residential real estate purchases 16
and sales. 12 U.S.C. § 2601(a). RESPA obligates a new servicer of certain types of 17
mortgage loans timely to notify the borrower of the change in servicer and to 18

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provide certain other information regarding the transfer. See id. § 2605(c). 1
Reflecting (as none dispute) FCI’s effort to meet its obligations under RESPA, the 2
Letter’s body identifies the effective date of the servicing transfer, provides 3
phone numbers for both FCI and GMAC, and further details Hart’s rights under 4
RESPA regarding (for example) the timeliness of payments sent during the 5
transfer period and how a consumer may dispute aspects of his account. 6
The Letter’s third page (the first page of the attachment) plays a pivotal 7
role here. Entitled “IMPORTANT NOTICES – PLEASE READ,” it contains the 8
following language, in the following format (insofar as reproducible here): 9
NOTICE 10
THIS IS AN ATTEMPT TO COLLECT UPON A DEBT, 11
AND ANY INFORMATION OBTAINED WILL BE USED 12
FOR THAT PURPOSE 13
14
YOU HAVE THE FOLLOWING RIGHTS 15
16
THIS DEBT WILL BE ASSUMED TO BE VALID UNLESS 17
YOU DISPUTE ITS VALIDITY WITHIN 30 DAYS AFTER 18
RECEIVING THIS NOTICE. 19
20
IF YOU NOTIFY THIS OFFICE IN WRITING THAT THE 21
DEBT IS DISPUTED WITHIN 30 DAYS, THIS OFFICE 22
WILL MAIL TO YOU VERIFICATION OF THE DEBT 23
OR A COPY OF THE JUDGMENT AGAINST YOU. 24
25
THIS OFFICE WILL PROVIDE YOU WITH THE NAME 26
AND ADDRESS OF THE ORIGINAL CREDITOR (IF 27

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7
DIFFERENT FROM THE CURRENT CREDITOR) UPON 1
YOUR WRITTEN REQUEST WITHIN 30 DAYS. 2
3
IT IS IMPORTANT THAT YOU UNDERSTAND THAT 4
YOU HAVE THE RIGHT TO ENFORCE THE ABOVE 5
NOTICE. 6
7
FAIR DEBT COLLECTION PRACTICES ACTS 8
9
The federal Fair Debt Collection practices Act . . . 10
require[s] that, except under unusual circumstances, 11
collectors may not contact you before 8 a.m. or after 9 12
p.m. They may not harass you by using threats of 13
violence or arrest or by using obscene language. 14
Collectors may not use false or misleading statements or 15
call you at work if they know or have reason to know 16
that you may not receive personal calls at work. For the 17
most part, collectors may not tell another person, other 18
than your attorney or spouse, about your debt. 19
Collectors may contact another person to confirm your 20
location or enforce a judgment. For more information 21
about debt collection activities, you may contact the 22
Federal Trade Commission at 1‐877‐FTC‐HELP or 23
www.ftc.gov. 24
25
App. 125 (sic).1 The attachment is not separately signed, and it follows the 26
signature line appearing on the second page of the main body of the Letter. See 27
App. 124. 28
On February 13, 2013, Hart filed this suit against FCI as a putative class 29
action, alleging that FCI violated the FDCPA by sending the Letter and, inter alia, 30
1 The second attachment page (the fourth page of the Letter) is entitled “FCI Lender Services,
Inc. PRIVACY NOTICE,” App. 126, and contains information solely about FCI’s privacy
practices not relevant here.

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“failing to identify the current creditor“ and “misstat[ing] the debtor’s rights,” 1
Compl. ¶ 28 – information that the Act requires a debt collector to provide within 2
five days of an “initial communication with a consumer in connection with the 3
collection of any debt,” 15 U.S.C. § 1692g. Hart sought an award of statutory 4
damages.2 In an amended complaint filed some months later, Hart added 5
allegations that his mortgage was in default when it was transferred to FCI for 6
servicing and that FCI regularly and as an integral part of its business collected 7
debts, both factors that he contended rendered FCI a “debt collector” under the 8
Act. Hart attached as an exhibit to the amended complaint both the Letter and a 9
December 28, 2012 payment statement (the “Payment Statement”) sent by FCI to 10
Hart and showing past‐due amounts of $31,736.43, as well as the principal 11
balance of Hart’s loan and late charges due. See App. 128. 12
FCI moved under Fed. R. Civ. P. 12(b)(6) to dismiss the amended 13
complaint for failure to state a claim, arguing principally that as a matter of law 14
the Letter was not FCI’s “initial communication . . . in connection with the 15
collection of any debt” under the FDCPA. The District Court accepted that 16
argument and granted FCI’s motion to dismiss. See Hart, 2014 WL 198337, at *7‐ 17
2 The FDCPA provides for recovery of actual damages, certain statutory damages, and award of
a reasonable attorney’s fee upon a proven violation. See 15 U.S.C. § 1692k(a).

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9
8. In light of deadlines imposed by a scheduling order entered in the interim,3 1
the District Court concluded further that Hart was not entitled to amend his 2
complaint a second time to add allegations that the Payment Statement, too, gave 3
rise to notice obligations under the Act. See id. at *7. 4
Hart timely appealed. 5
6
DISCUSSION 7
Hart maintains that the Letter was sent “in connection with the collection 8
of [a] debt.” In the alternative, he contends that the amended complaint 9
plausibly established that the Payment Statement triggered FCI’s notice 10
obligations and that the District Court abused its discretion in denying him leave 11
to further amend his complaint to add new allegations relating to the Payment 12
Statement. FCI responds, in essence, that: (1) the Letter was intended merely to 13
comply with RESPA by providing certain information – that is, it was not aimed 14
at “collect[ing] [a] debt” – and thus did not trigger the FDCPA’s notice 15
requirements; (2) Hart failed to plead adequately that the Payment Statement 16
3 On June 12, 2013, Magistrate Judge Jonathan W. Feldman issued a Scheduling Order directing
that “[a]ll motions to . . . amend the pleadings . . . be filed on or before September 12, 2013,” and
warning that extension of the amendment deadline would be granted only upon good cause
shown prior to the deadline. See Hart, 2014 WL 198337, at *3.

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10
served as a predicate for an FDCPA violation; and (3) the District Court acted 1
within the fair scope of its discretion in denying Hart a second opportunity to 2
amend his complaint. 3
We review de novo a district court’s grant of a defendant’s motion to 4
dismiss. See City of Pontiac Gen. Emps.’ Ret. Sys. v. MBIA, Inc., 637 F.3d 169, 173 5
(2d Cir. 2011). To survive a motion to dismiss, a complaint “must contain 6
sufficient factual matter, accepted as true, to state a claim to relief that is 7
plausible on its face.” Iqbal, 556 U.S. at 678 (internal quotation marks omitted). 8
9
1. The FDCPA 10
11
In passing the FDCPA, Congress aimed “to eliminate abusive debt 12
collection practices by debt collectors, to insure that those debt collectors who 13
refrain from using abusive debt collection practices are not competitively 14
disadvantaged, and to promote consistent State action to protect consumers 15
against debt collection abuses.” 15 U.S.C. § 1692(e). A particular goal was to 16
address “’the recurring problem of debt collectors dunning the wrong person or 17
attempting to collect debts which the consumer has already paid.’” Jacobson v. 18

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11
Healthcare Fin. Servs., Inc., 516 F.3d 85, 89 (2d Cir. 2008) (quoting S. Rep. No. 95– 1
382, at 4 (1977), as reprinted in 1977 U.S.C.C.A.N. 1695, 1699). 2
Section 1692g of Title 15 (in which the Act is codified) is entitled 3
“Validation of debts” and requires a “debt collector” to furnish a written notice 4
conveying certain information (the “§ 1692g notice”) to a consumer debtor upon 5
the debt collector’s “initial communication with a consumer in connection with 6
the collection of any debt.” 15 U.S.C. § 1692g(a).4 When an initial 7
communication triggers the Act’s notice obligations, the debt collector must 8
either include a § 1692g notice in that communication or send a separate written 9
notice to the debtor within the following five days, unless by that time the debtor 10
has already paid the debt. See id. The required contents of the § 1692g notice 11
relate both to the particular debt and to the consumer’s rights under the Act: the 12
notice must state the amount of the debt and the name of the creditor to whom 13
the debt is owed and must inform the consumer of her right to dispute the debt’s 14
4 Debt collectors (within the statutory definition) must provide a § 1692g notice only to
“consumers,” whom the Act defines as “any natural person[s] obligated or allegedly obligated
to pay any debt.” 15 U.S.C. § 1692a(3). For purposes of our discussion of the FDCPA, we refer
to “debtors,” “consumers,” and “consumer debtors” interchangeably.

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validity. 5 And to enforce these and other provisions, the FDCPA “grants a 1
private right of action to a consumer who receives a communication that violates 2
the Act.” Jacobson, 516 F.3d at 91; see 15 U.S.C. § 1692k. 3
FCI concedes for purposes of this appeal that it is a “debt collector” 4
covered by the Act. Further, the parties agree that the Letter was FCI’s “initial 5
communication” with Hart.6 The parties disagree, however, as to whether that 6
initial communication was “in connection with the collection of any debt,” so as 7
5 Section 1692g provides:
Within five days after the initial communication with a consumer in connection
with the collection of any debt, a debt collector shall . . . send the consumer a
written notice containing −
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the
notice, disputes the validity of the debt, or any portion thereof, the debt will be
assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within
the thirty‐day period that the debt, or any portion thereof, is disputed, the debt
collector will obtain verification of the debt or a copy of a judgment against the
consumer and a copy of such verification or judgment will be mailed to the
consumer by the debt collector; and
(5) a statement that, upon the consumerʹs written request within the thirty‐day
period, the debt collector will provide the consumer with the name and address
of the original creditor, if different from the current creditor.
15 U.S.C. § 1692g(a).
6 The FDCPA defines a “communication” as “the conveying of information regarding a debt
directly or indirectly to any person through any medium.” 15 U.S.C. § 1692a(2).

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to give rise to § 1692g notice obligations; the statute offers no definition for the 1
phrase. 2
3
2. The Letter 4
5
FCI urges that, rather than seeking to compel Hart to pay his debt, the 6
Letter was intended only to provide transfer‐of‐servicing information so as to 7
comply with RESPA. Accordingly, FCI argues, the Letter was not sent “in 8
connection with the collection” of Hart’s debt, and FCI had no obligation to 9
provide the complete recitation of debt‐related information required by § 1692g. 10
The District Court accepted this construction of both the Act and the 11
Letter. Examining the Letter, which it denominated the “transfer‐of‐servicing” 12
or “RESPA” letter, the court reasoned that: 13
[The Letter] did not attempt to induce [Hart] to make payment, but 14
rather, it assumes that he will be making payments and directs where 15
he should send them. The notice is informational in nature, and 16
does not reference an amount owed or threaten to take any action if 17
payment is not made. . . . [T]he document itself establishes that it 18
was not sent in order to induce [Hart] to make a payment. 19
20
Hart, 2014 WL 198337, at *6‐7 (emphasis in original). The court acknowledged 21
that the third page of the Letter included certain required FDCPA notifications— 22
including the language “THIS IS AN ATTEMPT TO COLLECT UPON A DEBT,” 23

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see id. at *2—but the court did not refer to that material in its analysis, see id. at *5‐ 1
7. 2
This court has never addressed the scope of the FDCPA’s “in connection 3
with the collection of any debt” language. We here conclude that whether a 4
communication is “in connection with the collection of [a] debt” is a question of 5
fact to be determined by reference to an objective standard. Thus, in determining 6
at the motion to dismiss stage whether the Letter triggers the Act’s notice 7
provisions, we must view the communication objectively, asking whether Hart 8
has plausibly alleged that a consumer receiving the communication could 9
reasonably interpret it as being sent “in connection with the collection of [a] 10
debt,” rather than inquiring into the sender’s subjective purpose. See, e.g., Ruth v. 11
Triumph P’ships, 577 F.3d 790, 798 (7th Cir. 2009) (“[T]he proper standard [for 12
assessing whether a communication is in connection with the collection of any 13
debt] is an objective one.”); cf. Grden v. Leikin Ingber & Winters PC, 643 F.3d 169, 14
173 (6th Cir. 2011) (affirming award of summary judgment to defendant where a 15
“reasonable jury could not find” that the communication was in connection with 16
the collection of a debt). Such an inquiry is consistent with the FDCPA’s goal of 17
protecting consumers: if a consumer receiving a letter could reasonably 18

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understand it to be a communication in connection with the collection of a debt, 1
then the consumer is entitled to the protections Congress has mandated for such 2
communications. An objective standard that determines the apparent purpose of 3
a communication with an eye towards a consumer’s understanding also aligns 4
with our teaching that the FDCPA is “remedial in nature, [and] its terms must be 5
construed in liberal fashion if the underlying Congressional purpose is to be 6
effectuated.” Vincent v. The Money Store, 736 F.3d 88, 98 (2d Cir. 2013) (internal 7
quotation marks omitted). 8
The parties dispute the extent to which a communication—to be deemed 9
made “in connection with the collection of any debt”—must be designed to 10
induce the debtor’s payment. FCI, citing standards adopted by the Sixth and 11
Seventh Circuits, argues that such a communication “must attempt to induce the 12
borrower to pay, not just convey information about the debt.” Appellee’s Br. 19; 13
see Gburek v. Litton Loan Servicing LP, 614 F.3d 380, 384‐85 (7th Cir. 2010) (ruling 14
that the FDCPA “does not apply to every communication between a debt 15
collector and a debtor,” but that a communication made “to induce” a debtor to 16
settle her debt will trigger the statute’s protections (emphasis in original)); see also 17
Grden, 643 F.3d at 173 (holding that, for the FDCPA’s notice provision to apply, 18

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“an animating purpose of the communication must be to induce payment by the 1
debtor”). Hart, in turn, points out that a district court in our Circuit, in Tocco v. 2
Real Time Resolutions, Inc., 48 F. Supp. 3d 535 (S.D.N.Y. 2014), recently construed 3
the phrase far more flexibly when it rejected the information/inducement 4
dichotomy and reasoned that “in connection with” is “synonymous with the 5
phrases ‘related to,’ ‘associated with,’ and ‘with respect to,’” and does not 6
necessitate any inducement element. Id. at 540. 7
We need not delineate the outer bounds of the phrase “in connection with 8
the collection of any debt,” however, because we have no difficulty in concluding 9
that an attempt to collect a debt—which we believe the Letter was—qualifies as a 10
communication “in connection with the collection of any debt.” Indeed, we see 11
few types of communications as more obviously “in connection with the 12
collection” of debts than attempts to collect debts. See, e.g., Caceres v. McCalla 13
Raymer, LLC, 755 F.3d 1299, 1303 (11th Cir. 2014) (concluding that a letter was “an 14
attempt to collect a debt” and therefore a “communication in connection with the 15
collection of a debt”). Moreover, in passing the FDCPA, Congress identified 16
abusive collection attempts as primary motivations for the Act’s passage. See S. 17
Rep. No. 95‐382, at 2. Accordingly, we think that treating an attempt to collect a 18

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debt as a communication “in connection with the collection of any debt” easily 1
accords with the plain meaning of the broad statutory language, as well as with 2
the Act’s remedial purpose of halting abusive collection practices and giving 3
debtors adequate information about their rights and obligations. 7 4
Hart has sufficiently alleged that the Letter—viewed objectively—is an 5
attempt to collect a debt. The Letter references Hart’s particular debt, directs 6
Hart to “mail [his] payments, including all past due payments, to FCI Lender 7
Services, Inc.” at a specified address, and refers to the FDCPA by name. App. 8
123, 125. More critically, it warns Hart that he must dispute the debt’s validity 9
within thirty days after receiving the Letter or his debt will “be assumed to be 10
valid.” App. 125. Finally, and most importantly, the Letter, in its two‐page 11
attachment, emphatically announces itself as an attempt at debt collection: “THIS 12
IS AN ATTEMPT TO COLLECT UPON A DEBT, AND ANY INFORMATION 13
OBTAINED WILL BE USED FOR THAT PURPOSE.” Id. A reasonable consumer 14
7 Our decision in Romea v. Heiberger & Assocs., 163 F.3d 111 (2d Cir. 1998), is also instructive on
this point. In Romea, we rejected a debt collector’s argument that a particular letter was not a
“communication” under § 1692g because it was a “statutory condition precedent to
commencing a summary eviction proceeding” under New York law. Id. at 116. We held that
the collector’s purpose was “at least in part to induce Romea to pay the back rent she allegedly
owed,” and we therefore ruled it “a ‘communication’ under 15 U.S.C. § 1692g(a).” Id.

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would credit the Letter’s warning, its instruction to take action within thirty 1
days, and its statement that it represents an attempt to collect a debt. 2
FCI asserts that the inclusion of RESPA‐required notices in the Letter’s 3
main body demonstrates that the Letter’s purpose was merely to convey the 4
information that RESPA mandated. In support of that position, it further notes 5
that the Letter does not discuss the current status of Hart’s debt or the amount 6
due on his loan, nor does it explicitly demand payment from Hart. But for the 7
reasons discussed above, even if it could be ascertained that FCI’s sole intention 8
in sending the Letter was to comply with RESPA, we are hard put to accept that 9
a reasonable consumer receiving the Letter would necessarily understand that FCI 10
did not send the Letter in connection with the collection of her debt. And we see 11
no reason that the Letter could not serve more than one purpose in any event.8 12
See, e.g., Simon v. FIA Card Servs., N.A., 732 F.3d 259, 267 (3d Cir. 2013) (“The 13
letter and notice were an attempt to collect the [plaintiffs’] debt . . . . The absence 14
of an explicit payment demand does not take the communication outside the 15
FDCPA.”); Gburek, 614 F.3d at 385 [7th Cir.] (“[T]he absence of a demand for 16
8 Section 1692g instructs that a communication required by certain statutes, such as the Gramm‐
Leach‐Bliley Act, 15 U.S.C. § 6801 et seq., shall “not be treated as an initial communication in
connection with debt collection for purposes of this section.” 15 U.S.C. § 1692g(e). RESPA is
not among the enumerated statutes.

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payment is just one of several factors that come into play in the commonsense 1
inquiry of whether a communication from a debt collector is made in connection 2
with the collection of any debt.”). 3
FCI further asserts that it is circular to conclude that the Letter’s statement 4
that it is “an attempt to collect a debt” helps render the Letter a communication 5
“in connection with the collection of [a] debt.” As FCI points out, the Act 6
elsewhere requires debt collectors to “disclose in the initial written 7
communication with the consumer . . . that the debt collector is attempting to 8
collect a debt and that any information obtained will be used for that purpose.” 9
15 U.S.C. § 1692e(11). FCI argues that it would be unfair to consider this 10
statutorily‐required language as evidence that the Letter is in actuality an 11
attempt to collect a debt. But a debtor receiving the Letter has no reason to know 12
that the language is required by the FDCPA or to believe that the language 13
mandated by § 1692e can safely be disregarded on that basis. To the contrary, as 14
we have highlighted, the Letter clearly announces itself an attempt to collect a 15
debt, and its other text only emphasizes the plausibility and gravity of that 16
announcement. We see no reason why we should not take it at its word, nor any 17
reason that a consumer would (or indeed should) fail to credit the clear language 18

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of the document. See, e.g., Alibrandi v. Fin. Outsourcing Servs., Inc., 333 F.3d 82, 87‐ 1
88 (2d Cir. 2003) (holding that lender’s agent’s self‐identification as a debt 2
collector in communication to borrower was relevant to whether lender 3
considered the loan in default). While it may be unfortunate for debt collectors 4
that the use of a defective notice helps give rise to an obligation to provide a 5
proper notice, the solution is to improve the defective notice. 6
Indeed, defective § 1692g notices pose particular dangers to consumers. 7
Here for instance, because the Letter states that the debt will, after thirty days, be 8
“assumed to be valid,” a consumer who fails timely to act upon the Letter might 9
believe that she has forfeited her right to challenge the accuracy of FCI’s debt 10
assessment. But under § 1692g(a)—which FCI paraphrased incompletely in the 11
Letter—such an unchallenged debt may be assumed to be valid only by the debt 12
collector, leaving the consumer free to contest the debt with the lender either 13
directly or in the courts. Compare App. 125 (quoted supra pp. 6‐7), with 15 U.S.C. 14
§ 1692g(a). By misleading the consumer into believing she had forfeited her right 15
to dispute the validity of her putative debt with the lender, FCI would have 16
frustrated a major objective of the FDCPA. 17

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Finally, FCI points out that Congress, in explaining its decision to pass the 1
FDCPA, cited a number of aggressive practices engaged in by the debt collection 2
industry that it particularly intended to deter by passing the Act. FCI’s 3
argument seems to be that, because Congress “targeted specific methods of 4
collection,” Appellee’s Br. 19, which did not include communications such as the 5
Letter, the Act’s notice requirements should not be triggered by the Letter. 6
Plainly, sending a writing such as the Letter is not as aggressive as making late‐ 7
night phone calls to debtors or engaging in some of the threatening practices that 8
Congress sought to end. But that Congress cited the industry’s worst practices 9
when passing the FDCPA does not limit the statute’s purview to those practices, 10
when the text reaches well beyond. FCI provides no reason to believe that 11
Congress did not intend the FDCPA to offer broad protection to debtors or that a 12
debt collector’s failure to provide the required § 1692g notice should be excused 13
as no more than a de minimis violation, one from which the Act would not protect 14
consumers. See generally Vincent, 736 F.3d at 98 (noting Congress’s broad 15
remedial intent in adopting the FDCPA). 16
In sum, Hart has plausibly alleged that the Letter was a “communication 17
in connection with the collection of [a] debt.” Accordingly, the District Court 18

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erred in dismissing the amended complaint and ruling as a matter of law that the 1
Letter did not trigger § 1692g’s notice requirement. 2
3
3. The Payment Statement 4
5
Because we conclude that Hart has stated a claim based on the Letter, we 6
need not decide whether Hart alleged adequately that the Payment Statement 7
also was a communication in connection with the collection of a debt. A debt 8
collector’s duty to provide a § 1692g notice arises only upon the “initial 9
communication with a consumer in connection with the collection of any debt.” 10
15 U.S.C. § 1692g(a) (emphasis added). As Hart himself notes, “[t]here is only 11
one claim and one recovery of damages regardless of the number of collection 12
communications sent without complying with § 1692g.” Appellant’s Reply Br. 13
17. Since Hart has plausibly alleged that the Letter was sent “in connection with 14
the collection of any debt,” any allegations relating to the Payment Statement are 15
irrelevant in determining whether Hart stated a claim that FCI violated the Act 16
by failing to provide a § 1692g notice. 17
Similarly, we need not decide whether the District Court abused its 18
discretion in denying Hart’s request to amend his complaint a second time. 19

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Hart’s request to amend was expressly conditioned on a ruling that the Letter 1
was not a communication “in connection with the collection of any debt”: at oral 2
argument before the District Court on FCI’s motion to dismiss, Hart stated that 3
he “would ask for an opportunity to replead with [the Payment Statement], if the 4
Court were inclined to rule” that the Letter did not trigger § 1692g notice 5
obligations. App. 191; see also Appellant’s Br. 40 (“[T]he Court should . . . hold 6
that plaintiff’s amended complaint stated a claim, or alternatively, that plaintiff 7
should be allowed to amend.”).9 Because we conclude that Hart adequately 8
alleged that the Letter did trigger FCI’s notice obligations, we decline to address 9
the District Court’s denial of Hart’s request to amend. 10
11
CONCLUSION 12
Applying an objective standard to resolve the question, we decide that 13
Hart adequately alleged that the Letter was an “initial communication . . . in 14
connection with the collection of [a] debt,” so as to obligate FCI to provide Hart a 15
9 Hart requested leave to amend three months after the amendment deadline set by Magistrate
Judge Feldman’s Scheduling Order had passed. See App. 85. The Scheduling Order also
warned that no extension of the deadline would be granted “except upon written application,
made prior to the cutoff date, showing good cause for the extension.” App. 87 (emphasis in
original). Hart did not request an extension before the deadline passed, and he did not identify
any good cause for an extension before the District Court. See App. 194‐95.

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§ 1692g notice. The District Court thus erred in granting FCI’s motion to dismiss. 1
Because Hart sufficiently alleged that the Letter triggered FCI’s notice 2
obligations, we decline to address his request to amend his complaint to add 3
allegations regarding the Payment Statement. Accordingly, we VACATE the 4
District Court’s judgment, and REMAND for further proceedings consistent with 5
this opinion. 6

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