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Hill v. Freedman Anselmo Lindberg, LLC

United States District Court, N.D. Illinois, Eastern Division

May 1, 2015

BRIAN P. HILL, Plaintiff,


JOHN Z. LEE, District Judge.

Plaintiff Brian Hill ("Hill") filed this lawsuit against Defendant Freedman Anselmo Lindberg, LLC ("Freedman"), alleging Freedman engaged in abusive forum-shopping in violation of the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. § 1692 et seq. Hill contends that Freedman violated § 1692i(a)(2) of the FDCPA when it filed a citation to discover assets at a downtown Chicago courthouse, rather than at the Skokie Courthouse located near Hill's home in Winnetka, Illinois. Freedman now moves to dismiss the action pursuant to Federal Rule of Civil Procedure 12(b)(6), maintaining that Hill's claim is time-barred. For the following reasons, the Court grants the motion.

I. Facts

Capital One Bank ("Capital One") has been attempting to collect from Hill a consumer debt in the amount of $3, 606.44. Compl. ¶ 7. In an effort to collect this debt, Freedman filed a complaint on March 9, 2011, on behalf of Capital One in the Circuit Court of Cook County. Id. ¶ 8. Freedman filed the case ("the collection case") at the Richard J. Daley Center Courthouse ("Daley Center") in downtown Chicago. Id. ¶ 9. The Daley Center serves as the courthouse for Cook County's First Municipal District. Id. ¶ 10.

Hill lives nearly 21 miles from the Daley Center in Winnetka, Illinois. Id. ¶ 17. While Winnetka is part of Cook County, it is located within the county's Second Municipal District, which is served by the Skokie Courthouse about five miles from Hill's residence. Id. ¶¶ 14-16.

On December 17, 2013, Freedman filed a citation to discover assets against Hill in the collection case. Id. ¶ 23.

On December 12, 2014, Hill filed a complaint with this Court, alleging that the filing of the citation to discover assets violated the FDCPA's prohibition against a debt collector taking "any legal action on a debt against any consumer" in a location other than "the judicial district or similar legal entity" where the contract was signed or where the consumer resides. Id. ¶ 27; see also 15 U.S.C. § 1692i(a)(2). Hill alleges that Freedman chose a more remote courthouse to discourage him from defending the collection case. Compl. ¶ 30.

II. Legal Standard

A motion under Rule 12(b)(6) challenges the sufficiency of the complaint. Christensen v. Cnty. of Boone, Ill., 483 F.3d 454, 457 (7th Cir. 2007). Under the federal notice pleading standard, "a plaintiff's complaint need only provide a short and plain statement of the claim showing that the pleader is entitled to relief, sufficient to provide the defendant with fair notice of the claim and its basis." Tamayo v. Blagojevich, 526 F.3d 1074, 1081 (7th Cir. 2008) (internal quotations omitted); see also Fed.R.Civ.P. 8(a). When considering a motion to dismiss under Rule 12(b)(6), the Court must "accept [ ] as true all well-pleaded facts alleged, and draw[ ] all possible inferences in [the plaintiff's] favor." Tamayo, 526 F.3d at 1081.

III. Analysis

In its motion, Freedman argues Hill's claim is time-barred by the FDCPA's statute of limitations. See 15 U.S.C. § 1692k(d). Typically on a motion to dismiss, the Court will not consider an affirmative defense-such as the statute of limitations-because "a plaintiff is not required to plead facts in the complaint to anticipate and defeat affirmative defenses." Indep. Trust Corp. v. Stewart Info. Servs. Corp., 665 F.3d 930, 935 (7th Cir. 2012). But "when a plaintiff's complaint nonetheless sets out all of the elements of an affirmative defense, dismissal under Rule 12(b)(6) is appropriate." Id.

A suit under the FDCPA must be brought "within one year from the date on which the violation occurs." 15 U.S.C. § 1692k(d). Hill's complaint alleges that the original collection case was filed on March 9, 2011. The citation to discover assets was issued on December 17, 2013. Hill filed the present action with this Court on December 12, 2014. If Hill's FDCPA claim accrued in March 2011, then this action is clearly time-barred. If the claim accrued when the citation was issued in December 2013, Hill's claim would survive. The viability of Hill's lawsuit, therefore, hinges on whether a citation to discover assets can also constitute a "legal action" in violation of the FDCPA.

Hill's suit is one of several that have been filed in the wake of the Suesz v. Med-One Solutions, LLC, 757 F.3d 636 (7th Cir. 2014), which marked a departure from existing Seventh Circuit authority. Prior to Suesz, the Seventh Circuit held in Newsom v. Friedman that the various municipal districts within Cook County did not constitute separate "judicial districts" for the purposes of the FDCPA; therefore, a creditor could comply with § 1692i by filing a case in any courthouse in the county where the debtor resides or where the contract was signed. 76 F.3d 813, 819 (7th Cir. 1996). In Suesz, however, the Seventh Circuit overruled Newsom, interpreting the phrase "judicial district or similar legal entity" to mean "the smallest geographic unit relevant to venue in the court system in which the case is filed." Suesz, 757 F.3d at 643. Accordingly, Suesz meant that to be in compliance with § 1692i, a debt collector could not simply file an action at any courthouse in the county. Id. at 646. Furthermore, as the rule applied retroactively, it potentially affected many debt collection cases already pending, including the underlying litigation here. See id. at 649-50.

Since Suesz, every court in this district hearing an FDCPA § 1692i wrongful venue lawsuit has held that the statute of limitations on that claim begins to run with the filing[1] of the initial collection case. See Pihl v Law Office of Keith S. Shindler, Ltd, 14 C 7116, 2015 WL 1137695, at *2 (N.D. Ill. Mar. 10, 2015); Balik v. Blitt & Gaines, P.C., 14 C 8702, 2015 WL 764013, at *3 (N.D. Ill. Feb. 21, 2015); Padilla v. Blatt, Hasenmiller, Leibsker & Moore, LLC, 14 C 7650, 2015 WL 513277, at *2 (N.D. Ill. Feb. 5, 2015); Komisar v. Blatt, Hasenmiller, Leibsker & Moore, LLC, 14 C 7948, 2015 WL 427845, at **2-3 (N.D. Ill. Jan. 29, 2015); Mako v. Blatt, Hasenmiller, Leibsker & Moore, LLC, 2015 U.S. Dist. LEXIS 6829, at *4 (N.D. Ill. Jan. 20, 2015). These cases reaffirm the notion that subsequent filings within the collection case do not constitute a "continuing violation" of the FDCPA so as to reset the statute of limitations; such a "theory lacks support in the law." Hardaway v. CIT Group/Consumer Fin. Inc., 836 F.Supp.2d 677, 684 (N.D. Ill. 2011). Indeed, "[t]he statute of limitations begins to run upon injury... and is not tolled by subsequent injuries." Komisar, 2015 WL 427845, at *2 (N.D. Ill. Jan. 29, 2015) (quoting ...

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