On June 9, the U.S. Court of Appeals for the Seventh Circuit affirmed the U.S. District Court for the Northern District of Indiana‘s entry of summary judgment in favor of a defendant debt collector in a claim under Title 15 of the U.S. Code, Section 1692(e) — stating that “mere speculation” that a collection letter is misleading is insufficient to survive summary judgment.

The court held that language that is not facially deceptive or misleading requires extrinsic evidence to demonstrate a reasonable unsophisticated consumer would not be misled.

Read the full article on Law360 here.