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HUDSON v. CITIBANK (SOUTH DAKOTA) NA

Supreme Court No. S-14740, Supreme Court No. S-14826 (Consolidated).

387 P.3d 42 (2016)

Janet HUDSON, on behalf of herself and all others, Petitioner, v. CITIBANK (SOUTH DAKOTA) NA, Alaska Law Offices, Inc., and Clayton Walker, Respondents. Cynthia Stewart, on behalf of herself and all others who are similarly situated, Petitioner, v. Midland Funding LLC, Alaska Law Offices, Inc., and Clayton Walker, Respondents.

Supreme Court of Alaska.

December 16, 2016.

Attorney(s) appearing for the Case

James J. Davis, Jr., and Goriune Dudukgian, Northern Justice Project LLC, Anchorage, and Matthew W.H. Wessler, Public Justice, P.C., Washington, District of Columbia, for Petitioners.

Jon S. Dawson and Elizabeth P. Hodes, Davis Wright Tremaine LLP, Anchorage, for Respondents Midland Funding LLC and Citibank (South Dakota) NA. Marc G. Wilhelm, Richmond & Quinn, Anchorage, for Respondents Alaska Law Offices, Inc. and Clayton Walker.

Before: Fabe, Chief Justice, Winfree, Stowers, Maassen, and Bolger, Justices.

OPINION

I. INTRODUCTION

Two credit card holders defaulted on their accounts, and the issuing bank1 elected to litigate debt-collection actions. After courts entered default judgments against both card holders, the card holders filed new and separate suits alleging that the bank violated...

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