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Victor Gulley v. Markov & Krasny Associates

April 26, 2011


The opinion of the court was delivered by: Judge Robert W. Gettleman


Pro se plaintiff Victor Gulley filed an eight-count amended complaint against defendant Markov & Krasny, P.C., a third-party debt collector, alleging violations of the Fair Debt Collection Practices Act, 15 U.S.C. § 1601, et seq. ("FDCPA"). Defendant has moved to dismiss the complaint under Fed. R. Civ. P. 12(b)(6). Defendant has also moved for reasonable attorneys' fees. For the following reasons, the court grants defendant's motion to dismiss and denies its motion for reasonable attorneys' fees.


The following facts come from the amended complaint, and for purposes of evaluating defendant's motion to dismiss, the court accepts them as true. Murphy v. Walker, 51 F.3d 714, 717 (7th Cir. 1995). The court also takes judicial notice of matters in the public record, without converting the motion to dismiss to a motion for summary judgment. GE Capital Corp. v. Lease Resolution Corp., 128 F.3d 1074, 1080 (7th Cir. 1997).

Plaintiff is the former owner of a parcel of real estate in Chicago, Illinois. On March 11, 2008, he conveyed title to a third party. The City of Chicago, defendant's client, leveed four separate fines relating to the property. Whether plaintiff owned title in the property at the time the fines were leveed is unclear, and in any case irrelevant to the resolution of this suit. The City hired defendant to collect payment of these fines. Defendant registered City of Chicago Administrative Judgments for collection with the Circuit Court of Cook County, Municipal Division, First District.*fn2 Defendant took steps to collect the judgment amounts from plaintiff, including having plaintiff's bank personal bank account frozen and sending three letters to plaintiff requesting that the judgments against him be paid. Plaintiff replied to the letters, asserting that the FDCPA prohibited defendant from further contacting him. Plaintiff then filed the instant lawsuit.


I. Legal Standard

A Rule 12(b)(6) motion tests the sufficiency of the complaint, not the merits of the case.

Gibson v. City of Chicago, 910 F.2d 1510, 1520 (7th Cir. 1990). The court accepts the complaint's well-pleaded factual allegations as true and draws all reasonable inferences in the plaintiff's favor. Bell Atlantic Corp. v. Twombly, 550 U.S. 544, 555-56 (2007) (citations omitted). To survive a motion to dismiss, a complaint must contain sufficient facts to state a facially plausible claim to relief. Ashcroft v. Iqbal, 129 S. Ct. 1937, 1949 (2009). A formulaic recitation of the elements of a cause of action will not do. Twombly, 550 U.S. at 555. The Seventh Circuit has emphasized that even though Twombly "retooled federal pleading standards" and "retired the oft-quoted Conley formulation," notice pleading is still all that is required. Tamayo v. Blagojevich, 526 F.3d 1074, 1083 (7th Cir. 2008). To provide the defendant with "fair notice of what the claim is and the grounds upon which it rests," the complaint must provide "a short and plain statement of the claim showing that the pleader is entitled to relief," Fed. R. Civ. P. 8(a)(2). Its allegations must also plausibly suggest that the plaintiff has a right to relief and raise that possibility above the "speculative level." Twombly, 550 U.S. at 555.

The court construes a pro se litigant's complaint liberally, Haines v. Kerner, 404 U.S. 519, 521 (1972), but pro se litigants are not excused from compliance with the rules of procedure. See Pearle Vision, Inc. v. Romm, 541 F.3d 751, 758 (7th Cir. 2008), citing McNeil v. United States, 508 U.S. 106, 113 (1993). A pro se complaint fails to satisfy the notice pleading requirement of Fed. R. Civ. P. 8(a) if the complaint does not even hint at a plausible right to relief. Killebrew v. St. Vincent Health, Inc., 295 F. App'x 808, 810 (7th Cir. 2008).

II. Defendant's Motion to Dismiss

Defendant argues plaintiff has failed to state a claim under the FDCPA, and that therefore his suit should be dismissed. The court agrees.

The FDCPA protects consumers from abusive, deceptive, and unfair debt collection practices by prohibiting certain methods of debt collection. Berman v. GC Svcs. Ltd. P'ship., 146 F.3d 482, 484 (7th Cir. 1998). The protections the FDCPA offers, however, are circumscribed by the statute's unambiguous definition of "debt" as:

Any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.*fn3 To determine whether an obligation to pay is a "debt" as contemplated by the FDCPA, the court first determines whether the obligation arises out of a consensual transaction in which the parties negotiated or contracted for consumer-related ...

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