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GALVAN v. NCO PORTFOLIO MANAGEMENT, INC.

Nos. 13-2264, 13-2266.

794 F.3d 716 (2015)

Rocio GALVAN and Joseph Hawthorne, individually and on behalf of a class, and People of the State of Illinois ex rel. Rocio Galvan and Joseph Hawthorne, Plaintiffs-Appellants, v. NCO PORTFOLIO MANAGEMENT, INC., Defendant-Appellee. Rocio Galvan and Joseph Hawthorne, individually and on behalf of a class, and People of the State of Illinois ex rel. Rocio Galvan and Joseph Hawthorne, Plaintiffs-Appellants, v. NCO Financial Systems, Inc., Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided July 21, 2015.

Attorney(s) appearing for the Case

Timothy J. Sostrin , Attorney, Keogh Law, Ltd, Chicago, IL, for Plaintiff-Appellant.

Bryan C. Shartle , Attorney, Sessions, Fishman, Nathan & Israel, LLC, Metairie, LA, for Defendant-Appellee.

Before EASTERBROOK, MANION, and SYKES, Circuit Judges.

For 40 years Illinois regulators and debt collectors have played a kind of cat-and-mouse game. The legislature has gradually expanded the scope of the business activities that trigger the requirements of the Illinois Collection Agency Act ("ICAA" or "the Act"), 225 ILL. COMP. STAT. 425/1 et seq., and the industry has...

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