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WILLIAMS v. ENCORE CAPITAL GROUP, INC.

Civil No. 2:19-cv-05252-JMG.

602 F.Supp.3d 742 (2022)

Lloyd WILLIAMS, on behalf of himself and all others similarly situated, Plaintiff, v. ENCORE CAPITAL GROUP, INC., et al., Defendants.

United States District Court, E.D. Pennsylvania.

Filed May 6, 2022.

Attorney(s) appearing for the Case

Stephen Andrew Fogdall, Ira Neil Richards, Layal A. Issa, Schnader Harrison Segal & Lewis LLP, Philadelphia, PA, Danielle Bruno McDermott, Stephaine A. Short, Schnader Harrison Segal & Lewis LLP, Pittsburgh, PA, for Plaintiff.

Lauren M. Burnette, Messer Strickler Burnette, Ltd., Jacksonville, FL, Katherine M. Saldanha Olson, Pro Hac Vice, Messer Strickler, Ltd., Chicago, IL, for Defendants.

MEMORANDUM OPINION

I. OVERVIEW

Plaintiff obtained a credit card from Comenity Capital Bank. This credit card charged an interest rate that would ordinarily be considered usurious and unlawful in Pennsylvania, which is where Plaintiff resides. But Comenity is a state-chartered, federally...

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