MEMORANDUM OPINION
THEODORE D. CHUANG, United States District Judge.
Plaintiff Penny Nicholas has filed suit alleging violations of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §§ 2601 et seq. (2012), and the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. §§ 1692 et seq. (2012...
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