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law.justia.com/cases/federal/appellate-courts/ca3/16-3852/16-3852-2018-01-02.html

Jan 2, 2018 ... Panico, a New Jersey resident, incurred substantial debt on an MBNA credit card, which qualifie as “debt” under the Fair Debt Collection Practices Act, 15 U.S.C. 1692a(5). MBNA assigned the rights to the debt to PRA, a debt collector. PRA's collection efforts failed. In 2014, more than three but fewer than ...

law.justia.com/cases/federal/appellate-courts/ca7/15-1567/15-1567-2017-03-29.html

Portfolio alleges that in 1993, Pantoja incurred a debt for annual fees, an activation fee, and late fees for a Capital One credit card that he applied for but never actually used. In 2013, long after the statute of limitations had run, Portfolio, having purchased bought Capital One's rights to this old debt, sent Pantoja a dunning ...