United States District Court, D. Minnesota
William T. Anderson, Law Office of William T. Anderson,
Counsel for Plaintiff.
appearance on behalf of Defendants CRA Collections, Inc., or
MEMORANDUM OF LAW & ORDER
Michael J. Davis United States District Court
matter is before the Court on Plaintiff's Motion for
Default Judgment Against Defendants CRA Collections, Inc. and
Robert Hunt. [Docket No. 22] The Court heard oral argument on
November 16, 2017. Defendants did not appear. Plaintiff's
motion is granted.
Todd Goetze lives in Shakopee, Minnesota. (Compl. ¶ 4.)
Goetze is a natural person and alleges that he is a
“consumer” under 15 U.S.C. § 1692a(3).
CRA Collections, Inc. (“CRA”) is a corporation in
the business of collecting debts, including through
interstate telephone calls, with its principal place of
business in Mechanicsburg, Pennsylvania. (Compl. ¶¶
5-6.) CRA is also known as R C Service. (Id. ¶
5.) CRA is a “debt collector” under 15 U.S.C.
§ 1692a(6). (Compl. ¶ 6.)
Robert Hunt is a natural person, CRA's owner, and a
“debt collector” under 15 U.S.C. § 1692a(6).
(Compl. ¶¶ 7, 21.)
United Concordia Dental, Inc. (“United
Concordia”) is a corporation with its principal place
of business in Harrisburg, Pennsylvania. (Compl. ¶ 8.)
July 2014, CRA made multiple telephone calls to Goetze's
attorney, William Anderson. (Compl. ¶ 9.) Goetze had
hired Anderson to represent him in filing for Chapter 7
bankruptcy and for pursuing claims against debt collectors
who violated the Fair Debt Collection Practices Act.
(Id. ¶ 29.) CRA used an automated message,
which failed to disclose CRA's identity, during multiple
telephone calls. (Id. ¶¶ 12, 16.) Nor did
the calls identify CRA as a debt collector. (Id.
¶¶ 12, 16.)
called back the number from which CRA's calls originated.
(Compl. ¶ 17.) After speaking with uncooperative
representatives, who failed to provide their true identities
or CRA's legal name (referring to it as RC Service)
(id. ¶¶ 19-21), he was told that CRA's
owner, Hunt, would call him back (id. ¶ 21.)
However, Hunt did not call Anderson back. (Id.
the representatives informed Anderson that the debt in
question was $421.83 arising out of receipt of dental
services, which went into default for failure to pay. (Compl.