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Case Profile

Docket Number17-1307
Full NameDennis Obduskey v. McCarthy & Holthus LLP
Short NameObduskey v. McCarthy & Holthus LLP
PetitionerDennis Obduskey
RespondentMcCarthy & Holthus LLP
Date Argued (Reargued)Jan. 7, 2019
Date DecidedMarch 20, 2019

Question Presented

Congress passed the Fair Debt Collection Practices Act (FDCPA) to "eliminate abusive debt collection practices by debt collectors." 15 U.S.C. 1692(e). Under the FDCPA, the term "debt collector" is defined as "any person***who regularly collects or attempts to collect, directly or indirectly, debts owed or due***another." 15 U.S.C. 1692a(6). This case presents a clear and entrenched conflict regarding whether the FDCPA applies in the foreclosure context. In the decision below, the Tenth Circuit, siding with the Ninth Circuit, held that non-judicial foreclosures are not covered by the FDCPA; in doing so, the panel acknowledged the issue has "divided the circuits," and it expressly rejected the "contrary position" of multiple courts of appeals and state high courts. This holding was the sole basis of the decision below, and it arises on the precise fact-pattern that has generated extensive "confusion" and hundreds of conflicting decisions. This case is the perfect vehicle for resolving the widespread disagreement over this important issue. The question presented is: Whether the FDCPA applies to non-judicial foreclosure proceedings.

Case Prediction Summary

- correct prediction- wrong prediction
Total Prediction Count315
Votes for Justice Affirm166
Votes to Justice Reverse149
% Justice (A)ffirm/(R)everse
52 (A)
Votes for Outcome Affirm22
Votes for Outcome Reverse13
% Outcome (A)ffirm/(R)everse
62 (A)
Predicted Outcome

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