Specialized Loan Servicing Violated FCPDA

SLS's alleged failure to provide the Quinns with information required under the FDCPA constitute[d] a sufficiently concrete harm for purposes of Article III standing.

When Thomas and Theresa Quinn saw a door hanger upon their door in 2008, they knew something was wrong. The Quinns had defaulted upon a loan they obtained from Cherry Creek Mortgage Company, which was subsequently transferred to Bank of America (BANA). BANA, in turn, sold the shitty paper downhill to Specialized Loan Servicing LLC (SLS). And just like the Vampire Juggernaut that the Mortgage Field Services Industry is, SLS began sucking every participant dry --- and then it tried to con the Court into believing its rationale.

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