Pitera v. Asset Recovery Group Inc

CourtDistrict Court, W.D. Washington
DecidedFebruary 15, 2024
Docket2:22-cv-00255
StatusUnknown

This text of Pitera v. Asset Recovery Group Inc (Pitera v. Asset Recovery Group Inc) is published on Counsel Stack Legal Research, covering District Court, W.D. Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Pitera v. Asset Recovery Group Inc, (W.D. Wash. 2024).

Opinion

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5 6 7 8 UNITED STATES DISTRICT COURT WESTERN DISTRICT OF WASHINGTON 9 AT SEATTLE 10 11 SARAH PITERA, CASE NO. 2:22-cv-00255-TL 12 Plaintiff, ORDER DENYING SUMMARY v. JUDGMENT 13 ASSET RECOVERY GROUP INC., 14 Defendant. 15 16 Plaintiff Sarah Pitera brings claims against Defendant Asset Recovery Group, Inc. 17 (“ARG”), for alleged violations of the Fair Debt Collection Practices Act (“FDCPA”), 15 U.S.C. 18 § 1692 et seq., and the Washington Consumer Protection Act (“WCPA”), RCW 19.86 et seq. 19 This matter is before the Court on Plaintiff’s Motion for Partial Summary Judgment (Dkt. 20 No. 27) and Defendant’s Motion for Summary Judgment (Dkt. No. 29). Having reviewed the 21 relevant record, including the Parties’ respective motions, opposition briefing (Dkt. Nos. 30, 36), 22 reply briefing (Dkt. Nos. 35, 37), and related documents, the Court DENIES the Parties’ cross 23 motions for summary judgment. 24 1 I. BACKGROUND 2 The following facts are undisputed unless otherwise noted. 3 In 2011, ARG, a debt collection agency, was assigned Ms. Pitera’s medical-billing 4 account from The Polyclinic in Seattle showing a balance owed of $2,627. Dkt. No. 29 at 2.

5 Between July and September 2011, the Parties corresponded about the alleged debt. Id. 6 Ms. Pitera believes that the alleged medical bills were covered by her medical insurance, which 7 ARG disputes. Id.; Dkt. No. 27 at 3. In November 2011, ARG retained the law firm Nancy A. 8 Smith & Associates to act on its behalf in relation to Ms. Pitera’s debt-collection account and 9 initiated a lawsuit against Ms. Pitera in King County Superior Court. Dkt. No. 29 at 2. The 10 summons sent to Ms. Pitera directed her to state her defense to the collection efforts in writing 11 “and serve a copy upon the undersigned attorney for [ARG].”1 Dkt. No. 31-1 at 4 (emphasis 12 added). 13 After being served with the lawsuit in January 2012, Ms. Pitera corresponded with ARG 14 between January and late February 2012. In her initial letter, Ms. Pitera stated that the letter was

15 “being sent in response to a complaint/summons” that she had received. Dkt. No. 27-2 at 5. 16 Ms. Pitera explicitly disputed the alleged debt, writing: “This is a notice sent pursuant to the Fair 17 Debt Collection Act, 15 USC 1692 disputed and validation is requested.” Id. (emphasis in 18 original). In addition to requesting “validation made pursuant to the above named title and 19 section [of the FDCPA, 15 U.S.C. § 1692],” Ms. Pitera requested additional information, 20 1 ARG has not provided any authority in support of its attempt to convince the Court to view ARG as a separate 21 entity from its own retained counsel for purposes of assessing the sufficiency of Ms. Pitera’s claims. See Dkt. Nos. 29, 30 passim. ARG’s lack of authority is even more glaring given Ms. Pitera specifically points out in her 22 motion “that in both state and federal court, corporations can only act in legal proceedings through counsel.” Dkt. No. 27 at 7 (citing Cottringer v. State Dep’t of Emp. Sec., 162 Wn. App. 782, 787, 255 P.3d 835 (2011) and In re Am. W. Airlines, 40 F.3d 1058, 1059 (9th Cir. 1994)). If ARG is suggesting that Ms. Pitera was obligated to provide 23 or serve it with copies of her correspondence—either in addition to or instead of its legal counsel—the Court finds this argument would approach the bounds of frivolousness. The Court will generally refer to ARG throughout this 24 order, even if the specific refence is attributable to its legal counsel acting on its behalf. 1 including: (1) “[a] simple accounting of the debt”; (2) the name and address of the original 2 creditor as well as the account number; and (3) proof that defendant was licensed to collect the 3 debt. Id. 4 ARG responded with a letter from its counsel dated February 6, 2012 (“February 6th

5 Letter”), thanking Ms. Pitera for her letter and acknowledging having received it on January 27, 6 2012. Dkt. No. 27-2 at 7. ARG wrote: “Pursuant to your request, I enclose copies of: (1) The 7 validation notice, served with your Summons and Complaint. (2) Verification of the debt at issue 8 in this matter; and (3) A copy of the Washington State records evidencing our client’s 9 registration as a collection agency.” Id. ARG instructed Ms. Pitera that “[if she] continue[s] to 10 dispute this debt, please indicate in writing your intent to file an Answer with the Court.” Id. 11 ARG also stated that “[b]efore proceeding further with our litigation, we wanted . . . to see if you 12 are now interested in settling this matter” and, if so, requesting that she respond within 14 days. 13 Id. ARG advised that any settlement “negotiations do not otherwise limit our ability to proceed 14 as provided by law.” Id.

15 Ms. Pitera responded to the February 6th Letter by sending another letter, where she 16 acknowledged receiving ARG’s response on or about February 9, 2012. Dkt. No. 27-2 at 9–10. 17 Ms. Pitera again specifically stated that she disputed the debt, writing: “I’m writing you this 18 letter because I requested, and still must request validation of debt. Be advised that this is not a 19 refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 20 1692(g) that your claim is disputed and validation is requested.” Id. (emphasis in original). She 21 reiterated that in her first letter, she requested and was still waiting for “(A) A simple accounting 22 of the debt. (B) The NAME and ADDRESS of the original creditor, and the original account 23

24 1 number. (C) Proof that you are licensed to collect in my state and provide me with your license 2 numbers and registered agent.” Id. (emphasis omitted).2 3 In a subsequent letter dated February 27, 2012, ARG again responded to Ms. Pitera, 4 detailing her initial request for verification—which ARG acknowledged had been received on or

5 about January 27, 2012—and referencing the February 6 Letter in which an additional copy of 6 the validation notice, verification of debt, and client registration as a collection agency had been 7 provided. Dkt. No. 27-2 at 12. ARG also acknowledged receiving a second request in writing 8 from Ms. Pitera on or about February 23, 2012, for “the original creditor’s name (previously 9 provided) and address (previously provided orally by phone).” Id. ARG further stated: “Here is 10 an additional written response to the same request (1) original creditor; Polyclinic; (2) address: 11 1145 Broadway, Seattle, WA 98122.” Id. ARG then invited Ms. Pitera to contact its retained 12 counsel’s legal assistant by March 12, 2012, if she was interested in attempting to resolve the 13 disputed debt; otherwise ARG would “proceed as provided by law.” Id. Ms. Pitera and ARG had 14 no further contact.

15 Without providing notice to Ms. Pitera, on March 5, 2012—a week before the date on 16 which ARG invited Ms. Pitera to make contact to resolve the matter—ARG sought a default 17 judgment in state court that was granted and entered on March 7, 2012. Dkt. No. 27-1 at 8–13. 18 ARG attested in its Motion and Declaration for Default Judgment filed in state court that 19 Ms. Pitera “has not appeared.” Id. at 9. Ms. Pitera was not aware that a motion for default had 20 been made or a judgment had been entered against her. Dkt. No. 27 at 4. ARG took no action to 21 collect on the default judgment for 10 years. Dkt. No.

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