Judge grants attorney summary judgment in collections suit

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A federal judge ruled in favor of an Indianapolis attorney involved in a class-action suit alleging he violated the Fair Debt Collection Practices Act. The judge granted summary judgment to the attorney after finding the class representative fell outside the class definition.

Mark R. Rayl sued Merrill Scooter Moores in May 2009 alleging Moores’ form of initial debt collection communication violated the FDCPA. Moore had been hired to collect past-due homeowner's association fees. The notice of claims filed with the small claims court in each action and served upon the homeowners listed a number to call to reach Moores. Depending on when it was called, it went to one of two voicemail messages regarding the actions. The messages said Moores would only discuss the homeowner’s case at their court date.  

Class certification of the suit was denied in February but was later granted by the U.S. District Court in the Southern District of Indiana’s Indianapolis Division in June. The class consisted of “All natural persons sued by Merrill Moores in the name of Wildcat Run Homeowner’s Association on a consumer debt who called the contact telephone number referenced on the Small Claims complaint and heard a voice mail message recorded by defendant Merrill Moores within one year prior to May 1, 2009.” Rayl was made class representative after Moores didn’t contest class certification and Rayl argued he could prove his claim that he did hear the voicemail.

Both parties filed motions for summary judgment.

It turns out that based on the evidence in the summary judgment record, none of the class members actually had heard either voicemail, or that if they did, Moores had any written communication with them within five days after they called. Rayl couldn’t establish that the voicemails violated the FDCPA provisions regarding initial communications because he was unable to prove he called the voicemail line.

Judge Jane Magnus-Stinson removed Rayl as class representative Oct. 28 and postponed ruling on the merits of the other class members’ claims until a suitable class representative appears in the action. The attorneys for the class have 30 days to locate a new class representative.

Judge Magnus-Stinson denied Rayl’s motion for summary judgment as class representative but didn’t rule at the time as to his individual claim.


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  1. Joe, you might want to do some reading on the fate of Hoosier whistleblowers before you get your expectations raised up.

  2. I had a hospital and dcs caseworker falsify reports that my child was born with drugs in her system. I filed a complaint with the Indiana department of health....and they found that the hospital falsified drug screens in their investigation. Then I filed a complaint with human health services in Washington DC...dcs drug Testing is unregulated and is indicating false positives...they are currently being investigated by human health services. Then I located an attorney and signed contracts one month ago to sue dcs and Anderson community hospital. Once the suit is filed I am taking out a loan against the suit and paying a law firm to file a writ of mandamus challenging the courts jurisdiction to invoke chins case against me. I also forwarded evidence to a u.s. senator who contacted hhs to push an investigation faster. Once the lawsuit is filed local news stations will be running coverage on the situation. Easy day....people will be losing their jobs soon...and judge pancol...who has attempted to cover up what has happened will also be in trouble. The drug testing is a kids for cash and federal funding situation.

  3. (A)ll (C)riminals (L)ove (U)s is up to their old, "If it's honorable and pro-American, we're against it," nonsense. I'm not a big Pence fan but at least he's showing his patriotism which is something the left won't do.

  4. While if true this auto dealer should be held liable, where was the BMV in all of this? How is it that the dealer was able to get "clean" titles to these vehicles in order to sell them to unsuspecting consumers?

  5. He has refused his Assent to Laws, the most wholesome and necessary for the public good. He has forbidden his Governors to pass Laws of immediate and pressing importance, He has erected a multitude of New Offices, and sent hither swarms of Officers to harrass our people, and eat out their substance. He has combined with others to subject us to a jurisdiction foreign to our constitution, and unacknowledged by our laws; giving his Assent to their Acts of pretended Legislation: For imposing Taxes on us without our Consent: He is at this time transporting large Armies of foreign Mercenaries to compleat the works of death, desolation and tyranny, already begun with circumstances of Cruelty & perfidy scarcely paralleled in the most barbarous ages, and totally unworthy the Head of a civilized nation.. He has excited domestic insurrections amongst us, and has endeavoured to bring on the inhabitants of our frontiers, the merciless [ ] Savages, whose known rule of warfare, is an undistinguished destruction of all ages, sexes and conditions. GOD BLESS THE GOVERNORS RESISTING! Count on the gutless judiciary to tie our children down and facilitate the swords being drawn across their throats. Wake Up America ...