Court Opinion

ID: 3170919
Source: CourtListenerOpinion
Date Created: 2016-01-20 20:01:36.779319+00
Date Added: 2024-06-11T12:16:06.316246
License: Public Domain

Case: 15-13153   Date Filed: 01/20/2016   Page: 1 of 4

                                                           [DO NOT PUBLISH]

               IN THE UNITED STATES COURT OF APPEALS

                        FOR THE ELEVENTH CIRCUIT
                          ________________________

                                No. 15-13153
                            Non-Argument Calendar
                          ________________________

                      D.C. Docket No. 2:13-cv-14379-DLG

ANTHONY THARPE,

                                                               Plaintiff-Appellant,

                                     versus

NATIONSTAR MORTGAGE LLC,

                                                             Defendant-Appellee.

                          ________________________

                   Appeal from the United States District Court
                       for the Southern District of Florida
                         ________________________

                               (January 20, 2016)

Before ED CARNES, Chief Judge, MARTIN and ANDERSON, Circuit Judges.

PER CURIAM:

      Anthony Tharpe, proceeding pro se, alleges that Nationstar Mortgage

violated the Fair Debt Collection Practices Act (FDCPA) through a series of
                 Case: 15-13153        Date Filed: 01/20/2016       Page: 2 of 4

communications about a mortgage bearing his name. The district court dismissed

his complaint under Federal Rule of Civil Procedure 12(b)(6). It construed the

complaint to allege that Nationstar’s only communication with Tharpe that violated

the FDCPA was its filing of the foreclosure action. The court held that, construed

in that manner, the complaint failed to state a claim for which relief could be

granted because the FDCPA covers only debt collection activity and “[a]

foreclosure action does not count as debt collection activity for FDCPA purposes.”

Tharpe appeals that judgment.

       Our decision in Reese v. Ellis, Painter, Ratterree & Adams, 678 F.3d 1211

(11th Cir. 2012), makes two points that are significant for this appeal. First, Reese

noted that none of our published precedents decide the question on which the

district court in this case rested its holding: “whether enforcing a security interest is

itself debt-collection activity covered by the [FDCPA].” Id. at 1218 n.3.1 Second,

Reese held that “[a] communication related to debt collection does not become

unrelated to debt collection simply because it also relates to the enforcement of a

security interest.” Id. at 1218. That means, regardless of whether Nationstar was

otherwise attempting to foreclose on the mortgage bearing Tharpe’s name, if it also

       1
          Other federal courts of appeals have issued published decisions on this issue that reach
the opposite conclusion from the one the district court reached here. See, e.g., Glazer v. Chase
Home Fin. LLC, 704 F.3d 453, 455 (6th Cir. 2013) (holding “that mortgage foreclosure is debt
collection under the [FDCPA].”); Wilson v. Draper & Goldberg, P.L.L.C., 443 F.3d 373, 376
(4th Cir. 2006) (rejecting argument “that foreclosure by a trustee under a deed of trust is not the
enforcement of an obligation to pay money or a ‘debt’” for purposes of the FDCPA).
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communicated with him in order to collect from him on the underlying debt, that

communication is subject to the FDCPA.

       The question, then, is whether Tharpe’s complaint sufficiently alleges that in

addition to acting to foreclose on his property Nationstar communicated with him

in an attempt to collect on the note. We think that it does given that Tharpe is pro

se and we liberally construe pro se complaints. See Saunders v. Duke, 766 F.3d

1262, 1266 (11th Cir. 2014). Liberally construed, Tharpe’s complaint alleges more

than that Nationstar undertook to foreclose on his property. It also alleges that

“Nationstar and its predecessors” have been attempting to collect from him on the

underlying note “for the last 7 years,” including at times when Nationstar was not

pursuing foreclosure. The allegations in the complaint thus extend beyond the

foreclosure action, necessarily implying communications about collecting on the

underlying debt. That, along with the fact Tharpe has plausibly alleged Nationstar

is a “debt collector” of the sort covered by the FDCPA, 2 makes this case analogous

to Reese. Nationstar’s motion to dismiss should have been denied.

       In reaching this conclusion, we leave unanswered whether foreclosing on

mortgaged property is, by itself, debt collection activity within the scope of the

       2
         Nationstar contends that Tharpe’s allegations that it is a “debt collector” are vague and
conclusory. They are not. Tharpe has alleged that Nationstar’s business involves the regular
collection of thousands of debts from thousands of consumers. That allegation, if true, would
support a finding that Nationstar is a “debt collector” within the scope of the FDCPA. See 15
U.S.C. § 1692(6).
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FDCPA. 3 All that we decide today is that Tharpe’s complaint states a claim under

the FDCPA because, liberally construed, it fits within the parameters staked out in

Reese.

       REVERSED and REMANDED.

       3
          The district court repeatedly referred to the “general rule” from Warren v. Countrywide
Home Loans, Inc., 342 F. App’x 458 (11th Cir. 2009), and Dunavant v. Sirote & Permutt, PC,
603 F. App’x 737 (11th Cir. 2015), that a “foreclosure action does not count as debt collection
activity for FDCPA purposes.” Warren and Dunavant are unpublished panel decisions, so any
“general rules” derived from them are not binding. See 11th Cir. R. 36-2.
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