1

23-187-cv

Worley v. Meyrowitz

UNITED STATES COURT OF APPEALS

FOR THE SECOND CIRCUIT

SUMMARY ORDER

RULINGS BY SUMMARY ORDER DO NOT HAVE PRECEDENTIAL EFFECT. CITATION TO A SUMMARY 

ORDER FILED ON OR AFTER JANUARY 1, 2007, IS PERMITTED AND IS GOVERNED BY FEDERAL RULE OF 

APPELLATE PROCEDURE 32.1 AND THIS COURT’S LOCAL RULE 32.1.1. WHEN CITING A SUMMARY ORDER 

IN A DOCUMENT FILED WITH THIS COURT, A PARTY MUST CITE EITHER THE FEDERAL APPENDIX OR AN 

ELECTRONIC DATABASE (WITH THE NOTATION “SUMMARY ORDER”). A PARTY CITING TO A SUMMARY 

ORDER MUST SERVE A COPY OF IT ON ANY PARTY NOT REPRESENTED BY COUNSEL. 

1 At a stated term of the United States Court of Appeals for the Second Circuit, held at the 

2 Thurgood Marshall United States Courthouse, 40 Foley Square, in the City of New York, on the 

14th 3 day of November, two thousand twenty-three.

4

5 PRESENT:

6 BARRINGTON D. PARKER,

7 EUNICE C. LEE,

8 SARAH A. L. MERRIAM,

9 Circuit Judges.

10 _____________________________________

11

12 Hattie Worley,

13

14 Plaintiff-Appellant,

15

16 v. 23-187-cv

17

18 Simon Meyrowitz & Meyrowitz, P.C., 

19

20

21 Defendant-Appellee.

22 _____________________________________

23

24 FOR PLAINTIFF-APPELLANT: HASHIM RAHMAN, Rahman Legal, New 

25 York, NY. 

26

27 FOR DEFENDANT-APPELLEE: MATTHEW K. FLANAGAN (Jenna L. 

28 Fierstein, on the brief), Catalano Gallardo & 

29 Petropoulos, LLP, Jericho, NY.

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1 This is an appeal from a judgment of the United States District Court for the Southern 

2 District of New York (Furman, J.).

3 UPON DUE CONSIDERATION, IT IS HEREBY ORDERED, ADJUDGED, AND 

4 DECREED that the judgment of the district court is AFFIRMED. 

5 Plaintiff-Appellant Hattie Worley appeals the district court’s October 26, 2022 judgment 

6 dismissing her amended complaint for failure to state a claim and the district court’s January 11, 

7 2023 denial of her motion for reconsideration. Worley v. Simon Meyrowitz & Meyrowitz, P.C., 

8 No. 21CV08385(JMF), 2022 WL 14760633 (S.D.N.Y. Oct. 25, 2022), reconsideration denied,

9 2023 WL 158293 (S.D.N.Y. Jan. 11, 2023). Worley alleged violations of the Fair Debt Collection 

10 Practices Act (“FDCPA”), 15 U.S.C. § 1692 et seq., against Defendant-Appellee Simon 

11 Meyrowitz & Meyrowitz, P.C. (“Meyrowitz”) in connection with its attempts to collect on a state12 court default judgment entered against her, on behalf of its client, the New York City Housing 

13 Authority (“NYCHA”). Because Meyrowitz filed its motion prior to filing its answer, the district 

14 court construed Meyrowitz’s Rule 12(c) motion for judgment on the pleadings as a motion under 

15 Rule 12(b). The district court granted the motion on the grounds that (1) it lacked subject-matter 

16 jurisdiction over several of Worley’s claims under the Rooker-Feldman doctrine and (2) Worley 

17 failed to plead a plausible claim under the FDCPA as to her remaining claims. The district court 

18 also denied Worley’s motion for reconsideration and leave to amend. Worley timely appealed the 

19 judgment dismissing her amended complaint, as well as the order denying her motion for 

20 reconsideration. We assume the parties’ familiarity with the underlying facts, the procedural 

21 history, and the issues on appeal, which we reference only as necessary to explain our decision.
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BACKGROUND1 1

2 On June 4, 2019, a New York County Civil Court entered a default judgment against 

3 Worley for $9,816.08 after she was sued by her former landlord, NYCHA, for failure to pay rent. 

4 Worley alleges that she first learned of the judgment two years later. On March 30, 2021, Worley 

5 emailed NYCHA to explain that she had been having technical difficulties attempting to pay her 

6 balance through the NYCHA “portal.” That same day, NYCHA responded to Worley via email, 

7 informing her that her case was with the collection attorneys and giving Worley a phone number 

8 to call to inquire about her debt. NYCHA’s email copied several other NYCHA email addresses 

9 and a Meyrowitz email address. On March 31, 2021, Worley sent an email to a Meyrowitz email 

10 address stating: “Please add to case file thank you.” Joint App’x at 57. A few days later, on April 

11 2, 2021, Meyrowitz responded to Worley via email (the “April 2 Email”) on behalf of NYCHA to 

12 inform her of the outstanding balance. Id. Worley then moved to vacate the default judgment, 

13 which the state court denied. 

14 Several months later, on October 11, 2021, Worley sued in federal court under the FDCPA, 

15 alleging that Meyrowitz, by sending the April 2 Email, improperly attempted to collect what it 

16 knew to be an unlawful debt stemming from the state-court judgment. The district court dismissed

17 Worley’s amended complaint with prejudice based on its finding that the April 2 Email from 

18 Meyrowitz did not constitute an “initial communication,” as required for certain claims under the 

19 FDCPA, because it was reactively sent in response to an email from Worley. The district court 

1 In evaluating the motion, we may consider the March 31, 2021 email and the April 2, 2021 

email because they are attached to the amended complaint, and the March 30, 2021 emails 

among Worley, NYCHA, and Meyrowitz because they are integral to the amended complaint. 

See L-7 Designs, Inc. v. Old Navy, LLC, 647 F.3d 419, 422 (2d Cir. 2011). 
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1 further concluded that it lacked jurisdiction over Worley’s remaining FDCPA claims based on the 

2 Rooker-Feldman doctrine. 

3 “We review a district court’s dismissal pursuant to Fed. R. Civ. P. 12(c) de novo, employing 

4 the same standard applicable to dismissals pursuant to Fed. R. Civ. P. 12(b)(6).” Johnson v.

5 Rowley, 569 F.3d 40, 43 (2d Cir. 2009) (internal quotation marks and alteration omitted). When 

6 reviewing a district court’s dismissal for lack of subject-matter jurisdiction, “we review factual 

7 findings for clear error and legal conclusions de novo.” Morrison v. Nat’l Australia Bank Ltd., 

8 547 F.3d 167, 170 (2d Cir. 2008) (internal citation and quotation marks omitted), aff’d, 561 U.S. 

9 247 (2010). We review a district court’s denial of reconsideration for abuse of discretion. Devlin 

10 v. Transp. Commc’ns Int’l Union, 175 F.3d 121, 131–32 (2d Cir. 1999).

11 Whether evaluating a defendant’s motion for judgment on the pleadings pursuant to Rule 

12 12(c) or a motion to dismiss pursuant to Rule 12(b)(6), a court must accept all facts set forth in the 

13 amended complaint as true and draw all reasonable inferences in favor of the plaintiff. See Vega

14 v. Hempstead Union Free Sch. Dist., 801 F.3d 72, 78 (2d Cir. 2015). To survive either motion, a 

15 plaintiff’s complaint “must contain sufficient factual matter, accepted as true, to state a claim to 

16 relief that is plausible on its face.” WC Capital Mgmt., LLC v. UBS Secs., LLC, 711 F.3d 322, 328

17 (2d Cir. 2013) (quoting Johnson v. Rowley, 569 F.3d 40, 44 (2d Cir. 2009)).

18 DISCUSSION 

19 First, Worley challenges the district court’s conclusion that Meyrowitz’s April 2 Email to 

20 Worley was not an “initial communication” within the meaning of either 15 U.S.C. § 1692e(11) 

21 or 15 U.S.C. § 1692g(a), relying on Carlin v. Davidson Fink LLP, 852 F.3d 207, 211 (2d Cir.

22 2017), for the proposition that a communication from a debt collector sent in reply to a
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1 communication from a consumer can still sometimes be deemed an “initial communication” under

2 the FDCPA. However, Worley’s reliance on Carlin is misplaced as she, unlike the plaintiff in 

3 Carlin, was never “prompted” by Meyrowitz to contact it regarding the debt collection. 852 F.3d 

4 at 215 (holding debt collector’s letter in response to plaintiff’s inquiry about the debt constituted 

5 an “initial communication” since plaintiff’s inquiry was prompted by the debt collector’s prior 

6 action). Here, Meyrowitz sent the April 2 Email to Worley in response to her unprompted 

7 communications first to NYCHA, and then to Meyrowitz, regarding her efforts to resolve her debt. 

8 Because the April 2 Email from Meyrowitz was a response to Worley’s contact, it does not 

9 constitute an “initial communication” for purposes of the FDCPA. As such, Worley has failed to 

10 state a claim under either § 1692e(11) or § 1692g(a).

11 Second, Worley argues that the district court erred in dismissing the rest of her FDCPA 

12 claims for lack of subject matter jurisdiction based on the Rooker-Feldman doctrine because, she 

13 asserts, these claims stem from injuries related to representations in the April 2 Email and not from 

14 the state-court judgment itself. Under the Rooker-Feldman doctrine, lower federal courts lack 

15 subject matter jurisdiction over claims that effectively challenge state-court judgments. The 

16 Rooker-Feldman doctrine turns on the “causal relationship between the state-court judgment and 

17 the injury of which the party complains in federal court.” McKithen v. Brown, 481 F.3d 89, 97–

18 98 (2d Cir. 2007). 

19 Most of Worley’s remaining FDCPA claims are not independent claims; instead, the 

20 injuries they allege are the result of the state-court judgment—and thus barred under Rooker21 Feldman. For example, her § 1692e(2) claim alleges that Meyrowitz made “a false representation 
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of the amount of the debt [she owed],”2 1 her § 1692f(1) claim alleges that Meyrowitz attempted “to 

2 collect . . . an amount that was not authorized by an agreement or permitted by law”, her 

3 § 1692e(10) claim alleges that Meyrowitz attempted to collect a debt despite failing to properly 

4 serve plaintiff. Joint App’x at 53–54. These complaints are the direct result of Meyrowitz’s 

5 attempt to collect on the judgment from the state-court proceeding against Worley. Essentially, 

6 because Worley fundamentally believes the state-court debt to be invalid, she contends that 

7 Meyrowitz’s attempts to collect on the debt are also invalid. But this Court cannot review or undo 

8 the state-court judgment. See Exxon Mobil Corp. v. Saudi Basic Indus. Corp., 544 U.S. 280, 293

9 (explaining that a plaintiff asking a federal court to undo a state-court judgment is the “paradigm

10 situation in which Rooker-Feldman precludes a federal district court from proceeding”) (quoting 

11 E.B. v. Verniero, 119 F.3d 1077, 1090–91 (3d Cir. 1997)).

12 Because Worley’s last claim, that Meyrowitz misrepresented Worley’s debt through 

13 “confusing, misleading, [and] deceptive” language, does not require the undoing of the state-court 

14 judgment, it is not barred by the Rooker-Feldman doctrine. Joint App’x at 54. Indeed, this claim

15 speaks to the collection-related conduct of Meyrowitz as a debt collector for NYCHA rather than 

16 to the validity of the state-court judgment itself. However, as the district court noted, Worley did 

17 not argue this point in her opposition to Meyrowitz’s motion for judgment on the pleadings. 

18 Worley, 2023 WL 158293, at *2 n.2. As a result, Worley abandoned any claim based on the 

2 While it may be possible to bring a § 1692e(2) claim without challenging the underlying 

judgment (and thus without implicating Rooker-Feldman), Worley’s claim directly challenges 

the validity of the underlying judgment because she alleges that Meyrowitz violated § 1692e(2) 

“by claiming interest on a judgment for a lawsuit that was not properly served . . . .” Joint App’x 

at 53. 
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1 argument that the email was confusing. See Jackson v. Fed. Exp., 766 F.3d 189, 197–98 (2d Cir.

2 2014) (“Where a partial response to a motion is made—i.e., referencing some claims or defenses

3 but not others . . . in the case of a counseled party, a court may, when appropriate, infer from a

4 party’s partial opposition that relevant claims or defenses that are not defended have been

5 abandoned.”).

6 We have considered Worley’s remaining arguments and find them to be without merit. 

7 Accordingly, we AFFIRM the judgment of the district court.

8 FOR THE COURT: 

9 Catherine O’Hagan Wolfe, Clerk of Court