[brief] **Cases**  *Action All. of Senior Citizens v. Sullivan,* 930 F.2d 77 (D.C. Cir. 1991)  .................................................................  16  *Allen ex rel. Martin v. LaSalle Bank, N.A.*, 629 F.3d 364 (3d Cir. 2011)  ..................................................................  24  *Baskin v. P.C. Richard & Son, LLC*, 246 N.J. 157 (2021)  ..............................................................................  7  *Bentley v. Great Lakes Collection Bureau*, 6 F.3d 60 (2d Cir. 1993)  .......................................................................  24  *Christianson v. Colt Indus. Operating Corp.*, 870 F.2d 1292 (7th Cir. 1989) ............................................................... 15 *Chulsky v. Hudson Law Offices, P.C.*, 777 F. Supp. 2d 823 (D.N.J. 2011) ......................................................... 37 *Comm’r v. Brown*, 380 U.S. 563 (1965) ............................................................................. 10 *Cox v. Sears Roebuck & Co.*, 138 N.J. 2 (1994) ............................................................................... 37 *Cty. of L.A. v. Davis*, 440 U.S. 625 (1979) ............................................................................. 16 *DepoLink Court Reporting & Litig. Support Servs. v. Rochman*, 430 N.J. Super. 325 (App. Div. 2013) ................................................... 37 *Dewey v. R.J. Reynolds Tobacco Co.*, 121 N.J. 69 (1990) .............................................................................. 8, 9 *Di Cristofaro v. Laurel Grove Mem’l Park*, 43 N.J. Super. 244 (App. Div. 1957) ..................................................... 7 *Douglass v. Convergent Outsourcing*, 765 F.3d 299 (3d Cir. 2014) .................................................................. 25 *Exxon Mobil Corp. v. Allapattah Services, Inc.*, 545 U.S. 546 (2005) ............................................................................ 11 Foti v. NCO Fin. Sys., 424 F. Supp. 2d 643 (S.D.N.Y. 2006) .................................................. 27 FTC v. Shaffner, 626 F.2d 32 (7th Cir. 1980) .................................................................. 24 Galaria v. Nationwide Mut. Ins. Co., 663 F. App'x 384 (6th Cir. 2016) ............................................................ 14 Gburek v. Litton Loan Servicing LP, 614 F.3d 380 (7th Cir. 2010) .................................................................. 29 Gonzalez v. Wilshire Credit Corp., 207 N.J. 557 (2011) .............................................................................. 36, 37 Hart v. Credit Control, LLC, 871 F.3d 1255 (11th Cir. 2017) ............................................................... 27 Hodges v. Sasil Corp., 189 N.J. 210 (2007) ............................................................................. 10, 20 Hosseinzadeh v. M.R.S. Assocs., 387 F. Supp. 2d 1104 (C.D. Cal. 2005) ..................................................... 27 Hunstein v. Preferred Collection & Mgmt. Servs., 994 F.3d 1341 (11th Cir. 2021) .............................................................. 12, 13, 14, 15, 16, 17, 18, 29 Hunstein v. Preferred Collection & Mgmt. Servs., 17 F.4th 1016 (11th Cir. 2021) ............................................................... 12, 15, 16, 17, 18 Hunstein v. Preferred Collection & Mgmt. Servs., 17 F.4th 1103 (11th Cir. 2021) ............................................................... 15 Hunstein v. Preferred Collection & Mgmt. Servs., 48 F.4th 1236 (11th Cir. 2022) ............................................................... 15 In re Horizon Healthcare Servs. Data Breach Litig., 846 F.3d 625 (3d Cir. 2017) .................................................................. 14 Jackin v. Enhanced Recovery Co., LLC, 606 F. Supp. 3d 1031 (E.D. Wash. 2022) ............................................... 17, 18 Jacobson v. Healthcare Fin. Servs., 516 F.3d 85 (2d Cir. 2008) ...................................................................