OPINION AND ORDER
MARK S. DAVIS, District Judge.
This matter is before the Court on a Motion to Dismiss filed by defendant Portfolio Recovery Associates, LLC ("PRA" or "Defendant"), and the oral Motion to Amend the Complaint, made by plaintiff Mark Johnson ("Plaintiff" or "Johnson"). Oral argument has taken place, and the motions are now ripe for decision.
I. Factual and Procedural History
A. Factual history1<...
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