SAN FRANCISCO (CN) - The Fair Debt Collection Practices Act is not "a sword to be brandished by debtors who have counsel," the Ninth Circuit wrote per curiam. It ruled that RJM Acquisition did not violate the Act and owes no attorney fees for trying to collect a $1,291 debt from Kenneth Jon Guerror. The circuit said the Act extends less protection to consumers with lawyers because "unsophisticated consumers are easily bullied and misled. Trained attorneys are not."
RJM sent two collection letters to Guerrero in
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