Does a Loophole in the FDCPA Mean a Sinkhole for Debtors?

Hawthorne v. Mac. Adjustments Inc., 140 F.3d 1367(11th Cir. 1998); Gulley v. Markoff & Krasny, 664 F.3d 1073 (7th Cir. 2011); Williams v. Redflex Traffic Sys., Inc., No. 3:06-CV-400, 2008 WL 782540 (E.D. Tenn. Mar. 20, 2008); Shannon v. ACS State & Local Solutions, Inc., No. 08-594(DSD/SRN), 2008 WL 2277814 (D. Minn. May 30, 2008); Riebe v. Juergensmeyer & Assocs., 979 F. Supp. 1218 (N.D. Ill. 1997); Mortland v. Internal Revenue Serv., No. A-03-CA-115-SS, 2003 WL 21791249 (W.D. Tex. June 24, 2003); Ross v. Linebarger, Goggan, Blair, & Sampson, L.L.P, 333 S.W.3d 736 (Tex. App.—Houston [1st Dist.] 2010); Univ. of Tex. Med. Branch at Galveston v. Hohman, 6 S.W.3d 767 (Tex. App.—Houston [1st Dist.] 1999); In re KBR, Inc., Burn Pit Litigation, 744 F.3d 326, 346 (4th Cir. 2014); Pierce v. Moore, No. 1:11-CV-132, 2014 WL 4724771 (E.D. Mo. Sept. 23, 2014); Zuniga v. Navarro & Associates, P.C., 158 S.W.3d 663 (Tex. App.—Corpus Christi 2005, pet. denied); Gonzalez v. Heard, Goggan, Blair & Williams, 923 S.W.2d 746 (Tex. App.—Corpus Christi 1996, writ denied); Shelton v. Cooper, 10 Va. Cir. 260 (Va. Cir. Ct. 1987); Ornes v. Daniels, 651 A.2d 1040 (N.J. Super. Ct. App. Div. 1995); United States v. Reorganized CF & I Fabricators of Utah, Inc., 518 U.S. 213 (1996)