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McWirther v. TeleCheck Services, Inc.

Citation: 3 F. App'x 14Docket: No. 00-1227

Court: Court of Appeals for the Fourth Circuit; January 22, 2001; Federal Appellate Court

Narrative Opinion Summary

Plaintiff Kelly McWirther initiated a class action lawsuit against TeleCheck Services, Inc., alleging violations of the Fair Debt Collection Act and North Carolina Debt Collection laws due to the collection of unlawful charges linked to checks returned for insufficient funds. The district court dismissed the case on the grounds of failure to state a claim. The appellate court affirms the district court's decision, referencing the reasoning provided in the original case, McWirther v. TeleCheck Services, Inc., No. 99CV216, Dec. 1, 1999. The dismissal is thus upheld.

Legal Issues Addressed

Affirmation of Lower Court's Decision

Application: The appellate court affirmed the district court's dismissal of the case, relying on the reasoning from the initial case.

Reasoning: The appellate court affirms the district court's decision, referencing the reasoning provided in the original case, McWirther v. TeleCheck Services, Inc., No. 99CV216, Dec. 1, 1999.

Failure to State a Claim

Application: The district court dismissed the case for failure to state a claim, and this decision was affirmed by the appellate court.

Reasoning: The district court dismissed the case on the grounds of failure to state a claim. The appellate court affirms the district court's decision, referencing the reasoning provided in the original case, McWirther v. TeleCheck Services, Inc., No. 99CV216, Dec. 1, 1999.

Fair Debt Collection Practices Act

Application: The plaintiff alleged violations of the Fair Debt Collection Practices Act due to the collection of unlawful charges linked to checks returned for insufficient funds.

Reasoning: Plaintiff Kelly McWirther initiated a class action lawsuit against TeleCheck Services, Inc., alleging violations of the Fair Debt Collection Act and North Carolina Debt Collection laws due to the collection of unlawful charges linked to checks returned for insufficient funds.

North Carolina Debt Collection Laws

Application: The case involved claims under North Carolina Debt Collection laws, which were dismissed for failure to state a claim.

Reasoning: Plaintiff Kelly McWirther initiated a class action lawsuit against TeleCheck Services, Inc., alleging violations of the Fair Debt Collection Act and North Carolina Debt Collection laws due to the collection of unlawful charges linked to checks returned for insufficient funds.