(Seventh Circuit July 2, 2014)
The Seventh Circuit issues a significant opinion on the Fair Debt Collection Practices Act’s requirement that a debt collector file its collection suit in the “judicial district or similar legal entity” where the contract was signed or where the debtor resides. The court concludes that this term means the smallest geographic area that is relevant for determining venue in the court system in which the case is filed, which may be a township or other smaller geographic area in the applicable county. The Court overturns its 1996 opinion in Newsome v. Friedman. Opinion below.