Searching over 5,500,000 cases.

Buy This Entire Record For $7.95

Download the entire decision to receive the complete text, official citation,
docket number, dissents and concurrences, and footnotes for this case.

Learn more about what you receive with purchase of this case.

Fosnight v. Convergent Outsourcing, Inc.

United States District Court, S.D. Indiana, Indianapolis Division

January 27, 2016

JAMES FOSNIGHT individually and on behalf of all others similarly situated, Plaintiff,
CONVERGENT OUTSOURCING, INC. a Washington corporation, and Jefferson Capital Systems, LLC, a Georgia limited liability company, Defendants

          For JAMES FOSNIGHT, individually and on behalf of all others similarly situated, Plaintiff: Angie K. Robertson, Mary E. Philipps, David J. Philipps, PHILIPPS AND PHILIPPS, LTD., Palos Hills, IL; John Thomas Steinkamp, JOHN T. STEINKAMP AND ASSOCIATES, Indianapolis, IN.

         For CONVERGENT OUTSOURCING, INC., a Washington corporation, JEFFERSON CAPITAL SYSTEMS, LLC, a Georgia limited liability company, Defendants: Charity A. Olson, Olson Law Group, Ann Arbor, MI.



         This action is now before the Court on Plaintiff James Fosnight's, individually and on behalf of himself and all others similarly situated (" Plaintiff's" ), Amended Motion to Certify Class (the " Motion" ). Dkt. No. 22. For the reasons stated herein, the Court GRANTS the Motion.


         Plaintiff alleges that Defendants, Convergent Outsourcing, Inc. (" Convergent" ) and Jefferson Capital Systems, LLC (" Jefferson" ) (collectively, " Defendants" ), sent Plaintiff a form collection letter, dated December 30, 2014, that failed to provide him with an effective validation notice, in violation of § 1692g and § 1692f of the Fair Debt Collection Practices Act (" FDCPA" ), 15 U.S.C. § 1692 et seq. See Compl. ¶ ¶ 9, 12-19; Dkt. No. 1-3. Plaintiff complains that the letter did not state that if Plaintiff disputed the debt, the dispute had to be made in writing to protect his right to obtain validation of the debt, which is required by § 1692g(a)(4). Dkt. No. 23 at 1-2. Further, Plaintiff asserts that such failure to advise him that his dispute must be in writing to be effective, is an unfair or unconscionable means to collect or attempt to collect the debt in violation of § 1692f. Id. at 2.

         Plaintiff argues that the Court should allow him to represent a class with the following definition: All persons similarly situated in the State of Indiana from whom Defendants attempted to collect a delinquent consumer debt allegedly owed for an Apsire credit card account, via the same form collection letter that Defendants sent to Plaintiff from one year before the date of the Complaint to the present. Id. Plaintiff asserts that all the pre-requisites for class certification pursuant to Rules 23(a) and (b)(3) of the Federal Rules of Civil Procedure (" Rules 23(a) and (b)(3)" ) are met.

         Specifically, as to numerosity, Plaintiff states that the proposed class would consist of at least 74 persons who received the same initial communication letter as he did. Dkt. No. 23 at 4; Dkt. No. 38 at 4-6. Plaintiff relies on account notes provided by Defendants to evidence that at least 74 individuals in Indiana received no prior written communication regarding their debts. Dkt. No. 38 at 6; Robertson Decl. at Ex. A. With respect to commonality, or issues that are common amongst the putative class members, Plaintiff asserts that there are at least two issues common to each class member: (1) whether or not the form collection letter violates the FDCPA; and (2) the amount of statutory damages to which each class member is entitled. Dkt. No. 23 at 4-5. Similarly, Plaintiff claims that his claim is typical " because they are brought pursuant to the FDCPA, relate to the identical form debt collection letter, and involve the same course of conduct by Defendant." Id. at 5. Finally, in regards to adequacy of representation, Plaintiff denies any claims that are antagonistic to the class, and avers that he has sufficient interest in the outcome to ensure vigorous advocacy. Id. at 5-6; Dkt. No. 38 at 8-9. Further, Plaintiff's counsel is highly experienced in bringing class claims pursuant to the FDCPA. Dkt. No. 23 at 6; Dkt. No. 38 at 9-10.

         Defendants primarily argue that the class is not ascertainable because individual questions regarding the timing, content and effect of the communication on the individual putative class members predominate. Dkt. No. 28 at 2, 6-9. Defendants make similar arguments with respect to commonality. Id. at 10-11. In addition, Defendants argue that Plaintiff cannot show that the class is sufficiently numerous. Id. at 9-10. Moreover, Defendants contend that Plaintiff cannot show that his claims are " in fact" typical of those of the proposed class because there are too many factual distinctions to be made regarding whether or not the subject form letter was an " initial communication" as required by § 1692g. Id. at 11-12. This same question, Defendants allege, dooms Plaintiff's claim that he " has the same essential characteristics of the class at large." Id. at 12. Defendants finally contend that Plaintiff cannot show that common issues predominate when their affirmative defenses depend upon the particular facts as to each putative class member; and that individual class members would not achieve as good a result as they could if they filed suit alone. Id. at 12-13.


         The standards for class certification are found in Rule 23 of the Federal Rules of Civil Procedure (" Rule 23" ). Rule 23 provides that a named party may sue on behalf of individuals who are similarly situated if six requirements are met: (1) the class is so numerous that joinder of all putative class members is impracticable (" numerosity" ); (2) there are questions of law or fact common to the putative class members or (" commonality" ); (3) the claims or defenses of the named plaintiff are typical of the claims or defenses of the putative class members (" typicality" ); (4) the named plaintiff will fairly and adequately protect the interests of the class; (5) questions of law or fact common to the putative class members predominate over any questions affecting only individual putative class members; and (6) a class action is superior to other available methods to fairly and efficiently adjudicate the controversy. Fed. Rs. Civ. P. 23(a) & 23(b)(3); Messner v. Northshore Univ. HealthSys., 669 F.3d 802, 811 (7th Cir. 2012). In determining whether or not to certify this class, the Court must take into consideration any evidence submitted by the parties, including any exhibits. Messner, 669 F.3d at 811.

         A. RULE 23(a) FACTORS

         Defendants primarily argue that individual issues of fact preclude a conclusion that the class is identifiable; in other words, there is no support for Plaintiff's assertion that the class is easily identifiable, numerous enough that joinder is impractical, that his claims are typical of those of the putative class members, that common questions of law and fact exist (and predominate), or that Plaintiff is an adequate representative because his claims are so similar to those of a the putative class members. The argument is without merit. The claim Plaintiff raises in the Complaint is a simple one: Does the letter he received from Defendants violate § 1692g or § 1692f of the FDCPA? Section 1692g requires that, within 5 days of Defendant's first communication to a consumer, Defendants had to provide the consumer with an effective validation notice, containing, among other disclosures " (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." 15 U.S.C. § 1692g(a)(4). Section 1692f prohibits a debt collector from using any unfair or unconscionable means to collect or attempt to collect a debt. 15 U.S.C. § 1692f(1). Plaintiff relies upon Defendant's own contact records to evidence that at least 74 people in Indiana received the subject letter as the first written communication about the alleged debt. Robertson Decl., Ex. A. Although it is possible that Defendants provided the necessary information in an initial oral communication with a putative class member, they have provided no evidence that any such oral communication occurred with any of the individuals who received the subject letter. As such, although the class size may be narrowed by any further discovery, at this stage of the litigation, the Court concludes that Plaintiff's criteria for identification of the class is sufficiently precise and objective to satisfy the requirements of Rule 23. Further, that same criteria has already identified at least 74 putative class members, which is sufficient to satisfy the numerosity requirement because joinder of 74 individuals would be impractical. Similarly, because the class definition uses the letter as the touchstone of potential liability under the FDCPA, Plaintiff's claim is typical to those of similarly situated class members.

         With respect to commonality and typicality, Defendants claim that individual answers to multiple factual issues, such as whether or not each class member received the letter or whether or not the letter was in fact the initial communication with or to the consumer, defeat Plaintiff's argument that common questions drive this litigation. Dkt. No. 28 at 10-12. As to receipt, it is presumed that the letter Defendants mailed was received by each individual to which it was addressed (Plaintiffs have already excluded individuals who were sent the letter, but for which an undeliverable notice was received back). SeeBobbitt v. The Freeman Cos., 268 F.3d 535, 538 (7th Cir. 2001) (stating that " the law presumes timely delivery of a properly addressed piece of mail" ). Cf.Bartlett v. Heibl, 128 F.3d 497, 499 (7th Cir. 1997) (stating that reading the letter is not an element of a violation of the FDCPA). And, again, with respect to whether or not the letter was the initial communication, Defendants' have provided no other records of communication with these consumers. At this stage of the ...

Buy This Entire Record For $7.95

Download the entire decision to receive the complete text, official citation,
docket number, dissents and concurrences, and footnotes for this case.

Learn more about what you receive with purchase of this case.