Brody v. Genpact Services, LLC

980 F. Supp. 2d 817, 2013 WL 5925168, 2013 U.S. Dist. LEXIS 158792
CourtDistrict Court, E.D. Michigan
DecidedOctober 28, 2013
DocketCivil Action No. 13-cv-11125
StatusPublished
Cited by5 cases

This text of 980 F. Supp. 2d 817 (Brody v. Genpact Services, LLC) is published on Counsel Stack Legal Research, covering District Court, E.D. Michigan primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Brody v. Genpact Services, LLC, 980 F. Supp. 2d 817, 2013 WL 5925168, 2013 U.S. Dist. LEXIS 158792 (E.D. Mich. 2013).

Opinion

OPINION AND ORDER GRANTING DEFENDANT’S MOTION FOR JUDGMENT ON THE PLEADINGS

BERNARD A. FRIEDMAN, Senior District Judge.

I. Introduction and Facts

Plaintiff Theresa Brody (“plaintiff’) commenced this action against defendant Genpact Services, LLC (“defendant”) for violations of the Fair Debt Collection Practices Act (“FDCPA”), 15 U.S.C. § 1692 et seq., and the Michigan Collection Practices Act (“MCPA”), Mich. Comp. Laws § 445.251 et seq. Before the Court is defendant’s motion for judgment on the pleadings [docket entry 16]. Plaintiff filed a response [docket entry 21] and defendant filed a reply [docket entry 25], The Court will rule on defendant’s motion without oral argument pursuant to E.D. Mich. LR 7.1(f)(2).

Defendant is a “debt collector” or “collection agency” under both the FDCPA [819]*819and MCPA respectively. 15 U.S.C. § 1692a(6); Mich. Comp. Laws § 445.251(b). In February 2013, plaintiff received a telephone call from one of defendant’s representatives. Compl. at ¶ 11. Since plaintiff did not answer the call, defendant’s representative left the following voicemail message:

This message is for Theresa Brody. My name is Kevin Archer calling from Gen-pact Services. Call me back at 866-544-0753. Again, 866-544-0753 and my name is Kevin Archer and I am calling from Genpact Services. Please call me back. Have a great day.

Id. at Ex. A. Thereafter, plaintiff filed the instant complaint alleging that the voice-mail message violated 15 U.S.C. § 1692e(10) and (11) because defendant used deceptive means in attempting to collect the debt and failed to disclose that defendant is a debt collector. Plaintiff further maintains that defendant’s conduct ran afoul of Mich. Comp. Laws § 445.252(a) and (e).1

In its motion for judgment on the pleadings, defendant disclaims liability under the FDCPA because the contents of the voicemail message did not effectuate a “communication” for purposes of the statute. In response, plaintiff argues, among other things, that the contents of the voice-mail message rise to the level of a “communication” as defined by the FDCPA.

II. Legal Standard

When deciding a motion for judgment on the pleadings pursuant to Federal Rule of Civil Procedure 12(c), the Court applies the same legal standard as it would for a Rule 12(b)(6) motion to dismiss for failure to state a claim upon which relief can be granted. Albrecht v. Treon, 617 F.3d 890, 893 (6th Cir.2010). The legal standard for a Rule 12(b)(6) motion requires the Court to “construe the complaint in the light most favorable to the plaintiff, accept all the factual allegations as true, and determine whether the plaintiff can prove a set of facts in support of its claims that would entitle it to relief.” Shane v. Bunzl Distrib. USA Inc., 200 Fed.Appx. 397, 401 (6th Cir.2006) (citing Bovee v. Coopers & Lybrand C.P.A., 212, F.3d 356, 360 (6th Cir.2001)). A sufficient pleading “requires more than labels and conclusions, and a formulaic recitation of the elements of a cause of action will not do.” Bell Atlantic Corp. v. Twombly, 550 U.S. 544, 555, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007); see also Ashcroft v. Iqbal, 556 U.S. 662, 678-679, 129 S.Ct. 1937, 173 L.Ed.2d 868 (2009). Instead, “a complaint must contain sufficient factual matter, accepted as true, to state a claim to relief that is plausible on its face.” Iqbal, 556 U.S. at 678, 129 S.Ct. 1937.

III. Analysis

Plaintiffs two FDCPA claims fail because they are not based on any actionable deception or “communication.” With respect to plaintiffs first cause of action, section 1692e(10) prohibits “[t]he use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.” The basis of plaintiff’s second claim is section 1692e(ll), which requires a debt collector to disclose, during an “initial communication with the consumer,” whether it “is attempting to collect a debt and that any information obtained will be used for that purpose.” 15 U.S.C. § 1692e(ll). [820]*820Similarly, during “subsequent communications,” the consumer must be informed “that the communication is from a debt collector.” Id. The statute defines the term “communication” as “the conveying of information regarding a debt directly or indirectly to any person through any medium.” 15 U.S.C. § 1692a(2).

In his voicemail message, defendant’s representative never directly referenced the collection of a debt or the debt itself. The disposition of this matter, therefore, hinges upon the narrow question of whether defendant’s representative “indirectly” conveyed information “regarding” plaintiffs alleged debt.

Pursuant to general canons of statutory construction, “[t]he language of the statute is the starting point for interpretation, and it should also be the ending point if the plain meaning of that language is clear.” United States v. Jackson, 635 F.3d 205, 209 (6th Cir.2011) (quotation omitted). “[W]hen the plain meaning of a term is not defined in the text at issue or is otherwise unclear,” the courts of this circuit have “turn[ed] to dictionary definitions.” United States v. Darway, 255 Fed.Appx. 68, 71 (6th Cir.2007); see also Appoloni v. United States, 450 F.3d 185, 199 (6th Cir.2006) (“Where ... no statutory definitions exist, a court may refer to dictionary definitions for guidance in discerning the plain meaning of a statute’s language.”). Since the FDCPA does not define the terms “indirectly” or “regarding,” the Court will attempt to ascertain their plain meaning from beyond the scope of the statute’s text.

An individual who says something “indirectly” is often said to “insinuate” the true meaning of their words. In fact, the dictionary definition of the verb “insinuate” is “to say (something, especially something bad or insulting) in an indirect way.” Merriam-Webster Online Dictionary, http://www.merriam-webster.com/ dictionary/insinuate (last visited Oct. 25, 2013) (emphasis added). The second term under consideration, the word “regarding,” is synonymous with “about” or “concerning.” Id. at http://www.merriam-webster. com/thesaurus/regarding (last visited Oct. 25, 2013). For example, this opinion “concerns,” “is about,” or (one could say) “was written in regard to” the plain meaning of two words.

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Cite This Page — Counsel Stack

Bluebook (online)
980 F. Supp. 2d 817, 2013 WL 5925168, 2013 U.S. Dist. LEXIS 158792, Counsel Stack Legal Research, https://law.counselstack.com/opinion/brody-v-genpact-services-llc-mied-2013.