Authorities Cited: United States Code 15 U.S.C. § 1692 Supreme Court 475 U.S. 574, 587 477 U.S. 242, 251-252 Circuit Courts 988 F.2d 1314 43 F.3d 244, 255 74 F.3d 30, 34-35 135 F.3d 389, 400 163 F.3d 341, 361 200 F.3d 1016 211 F.3d 1057 434 F.3d 478, 483 464 F.3d 450, 455 503 F.3d 504, 509 Federal Rules of Civil Procedure Fed. R. Civ. P. 56(c) 57 F. Supp. 2d 848, 862 219 F. Supp. 2d 251 372 F. Supp. 2d 615, 618-622 851 F. Supp. 61, 67 912 F. Supp. 1354, 1372 973 F. Supp. 1320