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In O’Toole v. Bob Roache Law, a Seventh Circuit District Court in Indiana granted a defendant’s motion to dismiss a Fair Debt Collection Practices Act (FDCPA) case for lack of standing. In its holding, the court emphasized that allegations of “annoyance or confusion” without allegations of detrimental action taken as a result of the alleged annoyance or confusion, is insufficient to establish an injury in fact necessary to confer standing to an FDCPA plaintiff. In that case, the plaintiffs incurred a debt with Smokey Ridge Homeowners Association, Inc., and the defendant sent the plaintiffs a collection letter to collect on the debt. The plaintiffs alleged that the defendant’s letter provided “confusing and conflicting information” regarding their rights under the FDCPA and, consequently, that “‘[the] [Plaintiffs’] rights under [the FDCPA] [had] been violated and the Plaintiffs ha[d] been damage[d] thereby.’”

United statesBuschmann voelkelConvergent outsourcing incSmokey ridge homeowners association incCircuit district courtRoache lawSeventh circuit district courtFair debt collection practices actSmokey ridge homeowners associationSeventh circuitஒன்றுபட்டது மாநிலங்களில்குவிதல் ஔட்‌ஸ்ர்ஸிஂக் இன்க்புகை ரிட்ஜ் வீட்டு உரிமையாளர்கள் சங்கம் இன்க்சுற்று மாவட்டம் நீதிமன்றம்ஏழாவது சுற்று மாவட்டம் நீதிமன்றம்நியாயமான கடன் சேகரிப்பு ப்ர்யாக்டிஸஸ் நாடகம்