[brief] ..............................................16, 19 Christy v. Designed Receivable Sols., Inc., 2018 U.S. Dist. LEXIS 141956 (D. Nev. Aug. 21, 2018)  .....................27, 28  Cox v. Sears Roebuck & Co., 138 N.J. 2 (1994)  ..............................................................................14, 21, 22  D’Agostino v. Maldonado, 216 N.J. 168 (2013)  ...........................................................................19  Delgado v. LVNV Funding, LLC, 2024 N.J. Super. Unpub. LEXIS 713 (Law Div. Apr. 22, 2024)  ............12, 13, 17, 20 DepoLink Court Reporting & Litig. Support Servs. v. Rochman, 430 N.J. Super. 325 (App. Div. 2013)  ...............................................16, 18, 20 Douglass v. Convergent Outsourcing, 765 F.3d 299 (3d Cir. 2014)  ..................................................................25  Excel Pharmacy Servs., LLC. v. Liberty Mut. Ins. Co., 825 F. App’x 65 (3d Cir. 2020) ............................................................10, 23  Francavilla v. Absolute Resols. VI LLC, 478 N.J. Super. 171 (App. Div. Mar. 14, 2024)  .................................9, 13  Gonzalez v. Wilshire Credit Corp., 207 N.J. 557 (N.J. 2011)  .....................................................................17, 18, 19  Gomez v. Forster & Garbus LLP, Civil Action No. 2:17-13708 (MCA) (MAH), 2019 U.S. Dist. LEXIS 183099 (D.N.J. Oct. 22, 2019)  ..................................................16, 17, 18  In re Resol. of State Comm’n of Investigation, 108 N.J. 35 (1987)  ..............................................................................10, 11, 23, 26 North v. Portfolio Recovery Assocs., LLC, No. 2:20-cv-20190 (BRM) (JSA), 2021 U.S. Dist. LEXIS 184974 (D.N.J. Sep. 24, 2021)  .......................................................... 22, 23  R.J. Gaydos Ins. Agency, Inc. v. Nat’l Consumer Ins.  Co., 168 N.J. 255 (2001)  ........................................................................  12  Rezem Family Assocs., LP v. Borough of Millstone, 423 N.J. Super. 103 (App. Div. 2011)  ...........................................  7, 8  Sun Chem. Corp. v. Fike Corp., 243 N.J. 319 (2020)  ...................................................................... 18, 19 Taylor v. Quall, 471 F. Supp.2d 1053 (C.D. Cal. 2007)  ............................................  28  Thiedemann v. Mercedes-Benz USA, LLC, 183 N.J. 234 (2005)  .....................................................................  20  Valentine v. Unifund CCR, LLC, No. CV 20-5024, 2023 U.S. Dist. LEXIS 200 (D.N.J. Jan. 3, 2023) ...... 5 Veras v. LVNV Funding, LLC, No. 13-1745 (RBK/JS), 2014 U.S. Dist. LEXIS 34176 (D.N.J. Mar. 17, 2014)  ......................................................................................... 11, 12, 26  Wade v. Regional Credit Ass’n, 87 F.3d 1098 (9th Cir. 1996)  ..........................................................  28  Weinberg v. Sprint Corp., 173 N.J. 233 (2002)  .....................................................................  19  Woo-Padva v. Midland Funding LLC, 2022 N.J. Super. Unpub. LEXIS 96 (Law Div. Jan. 21, 2022)  ...............  3  Woo-Padva v. Midland Funding, No. A-1996-21, 2023  N.J. Super. Unpub. LEXIS 1550 (Super. Ct. App. Div. Sep. 21, 2023)  ..................................................................  3, 12, 13, 17, 20 Statutes  15 U.S.C. § 1692, et seq.  .................................................................1, 5, 27 N.J.S.A. 17:11C-1 et seq.................................................................