STRANCH, J., delivered the opinion of the court, in which BARRETT, D.J., joined. CLAY, J. (pp. 364-67) delivered a separate opinion concurring in part. OPINION JANE B. STRANCH, Circuit Judge. The Fair Debt Collection Practices Act was passed to protect consumers against both abusive and mistaken collection activity. This case reveals why. It began with seemingly innocuous accounting er…
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