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POLACSEK v. DEBTICATED CONSUMER COUNSELING, INC.

No. CIV. PJM 04-631.

413 F.Supp.2d 539 (2005)

Alyssa POLACSEK, et al. Plaintiffs v. DEBTICATED CONSUMER COUNSELING, INC., et al. Defendants

United States District Court, D. Maryland.

November 23, 2005.

Attorney(s) appearing for the Case

David James Vendler, Morris Polich and Purdy LLP, Los Angeles, CA, for Plaintiffs.

Gregory Scott Duncan, Law Office of Gregory S. Duncan, Gary Wheeler Kendall, Garrett Minor Smith, Michie Hamlett Lowry Rasmussen and Tweel PLLC, Charlottesville, VA, for Plaintiff/Intervenor Plaintiffs.

Kevyn D. Orr, Thomas Ryan McCarthy, Jones Day, Gary C. Adler, Robert M. Adler, O'Connor and Hannan LLP, Washington, DC, Rachel Sima Shujman, Loeb and Loeb LLP, Los Angeles, CA, for Defendants.

Judy Johnson, Honesdale, PA, pro se.

Abdul Akbor Jamil, Essex, MD, pro se.

Artie Taylor, Columbus, OH, pro se.

Robert E. Grant, Furey Doolan and Abell LLP, Chevy Chase, MD, Geoffrey Smith Irwin, John Buchanan Williams, for Defendants/Intervenor Defendants.

OPINION

MESSITTE, District Judge.

I.

A key question in this case is whether a credit counseling agency (CCA) is subject to the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. The Court holds that, depending on the circumstances, it may be.1

The Court further holds, as a matter of law, that Debticated Consumer Counseling, Inc. (Debticated), the only CCA Defendant in this case...

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