Searching over 5,500,000 cases.


searching
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.

AQUINO v. CREDIT CONTROL SERVS.

March 19, 1998

DOLORES AQUINO, Plaintiff,
v.
CREDIT CONTROL SERVICES, et al., Defendants.



The opinion of the court was delivered by: BREYER

ORDER

 Before the Court is defendant's motion to dismiss pursuant to Fed. R. Civ. P. 12(b)(6). Plaintiff, Dolores Aquino, alleges that defendant, Western Union Communications, violated provisions of both the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. § 1692, et seq., and the California Business and Professions Code § 17200. Having carefully read and considered the papers submitted by the parties, the Court GRANTS defendant's motion to dismiss as to both claims. *fn1"

 I. Factual Background

 Plaintiff alleges that in April 1997 she received a collection letter at her home which was delivered by Western Union's "Total Collection Solution" message service. The letter, which was sent to plaintiff by another defendant, Credit Collection Services ("CCS"), sought collection of a debt for $ 67.30. Plaintiff's complaint states that "when she saw the simulated telegram she became anxious, frightened, and nervous. Plaintiff believed it was a telegram bringing her bad news - a death, a serious accident, a major illness." (Compl. P 10.) After opening the envelope and discovering the nature of the message, "Plaintiff thereafter became angry and upset because she believed she had been deceived and tricked by Western Union because the ominous simulated telegram contained only a collection letter involving a debt she had long ago disputed." (Compl. P 11.) Plaintiff alleges that as a result of this incident "she has suffered actual damages and injury including but not limited to acute stress, muscle tremors, sleeplessness headaches, anger, and rage" and "has been subjected to moods of despondency that have prevented her from seeking employment thereby driving her to bankruptcy." (Compl. PP 13, 14).

 Plaintiff has filed suit against Western Union, CCS, and other related parties, alleging violations of both the FDCPA and related California law. Western Union has filed a motion to dismiss all claims.

 II. Legal Analysis

 Under Fed. R. Civ. P. 12(b)(6), a complaint may be dismissed for failure to state a claim if, after accepting the complaint's material allegations and facts, it appears beyond doubt that the plaintiff can prove no set of facts in support of the claim which would entitle plaintiff to relief. See Branch v. Tunnell, 14 F.3d 449, 455 (9th Cir. 1994).

 A. Fair Debt Collection Practices Act Claim

 Plaintiff asserts that defendant, by virtue of its "Total Collection Solution" message service, is a "debt collector" within the meaning of the FDCPA, and as such, has violated various sections of the Act by delivering the collection notice. See 15 U.S.C. §§ 1692d (harassment or abuse), 1692e (false or misleading representations), and 1692f (unfair practices). Defendant contends that plaintiff has failed to state a claim because Western Union is not a debt collector as defined by the FDCPA.

 The FDCPA defines a debt collector as:

 
any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

 15 U.S.C. § 1692a(6). In analyzing this provision, the Supreme Court cited Black's Law Dictionary for the proposition that "to collect a debt or claim is to obtain payment or liquidation of it, either by personal solicitation or legal proceedings." Heintz v. Jenkins, 514 U.S. 291, 294, 131 L. Ed. 2d 395, 115 S. Ct. 1489 (1995) (quoting Black's Law Dictionary 263 (6th ed. 1990)). Thus, in assessing plaintiff's allegation that defendant acted as a debt collector, a court must ascertain if Western Union regularly attempts to obtain payment of debts; and if they were doing so, when they delivered the collection notice to the plaintiff.

 An examination of defendant's contribution to the debt collection process reveals that it does not act as a debt collector when it delivers debt notices. As alleged in the complaint, Western Union's message service enables customers, who are debt collection agencies, to electronically prepare and send messages from their personal computers for Western Union delivery. The company has marketed this service as a means for creditors to improve and expedite their debt collection efforts. Specifically, defendant delivers messages to debtors in a "familiar Western Union yellow envelope emblazoned with the black-lettered Western Union imprimatur." (Compl. P 8.) The letter also bears Western Union's logo imprinted in the upper right-hand corner. Although neither party disputes plaintiff's factual assertions, they merely illustrate that Western Union serves as a messenger for debt collectors.

 Plaintiff, however, fails to allege that Western Union's contribution to the debt collection process extends beyond this role as a messenger. The complaint does not allege that Western Union had any role in drafting the letter. The text of the message clearly identifies CCS as the recipient for payment of the debt and provides the company's name and address for this purpose. Plaintiff does cite to Western Union's advertising copy in arguing that defendant "knew 'no other envelope delivers the impact of a Western Union envelope'" and that "its envelope, 'is a collection tool that sends a message [to her] and gets read before anything else.'" (Compl. P 12). These assertions are not sufficient to place Western Union within the FDCPA's definition of a debt collector. Western Union never requested that plaintiff contact them directly or that she pay to them the money she purportedly owed. Significantly, plaintiff does not allege that Western Union had any relationship with her creditors other than as a delivery service. She also ...


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.