Authorities Cited: United States Code 15 U.S.C. § 1692 15 U.S.C. § 1692(a) Circuit Courts 970 F.2d 1516, 1521 90 F.3d 1160, 1172 108 F.3d 1546, 1554 125 F.3d 989, 995-996 197 F.3d 1170, 1174 259 F.3d 493, 502 284 F.3d 1261, 1274 453 F.3d 324, 329 508 F.3d 327, 336 510 F.3d 577, 581 513 F.3d 546, 553 518 F.3d 433, 438-439 Federal Rules of Civil Procedure Fed. R. Civ. P. 12(c) 405 F. Supp. 2d 856, 864-869 463 F. Supp. 2d 783, 802