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MIDLAND FUNDING LLC v. THIEL

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144 A.3d 72 (2016)

446 N.J. Super. 537

MIDLAND FUNDING LLC Current Assignee, [Citibank USA, N.A., Original Creditor], Plaintiff-Appellant/Cross-Respondent, v. Bruce THIEL, Defendant-Respondent/Cross-Appellant. Midland Funding LLC Current Assignee, [Citibank Children's Place, Original Creditor], Plaintiff-Appellant, v. Luisa Acevedo, Defendant-Respondent. Midland Funding LLC Current Assignee, [GE Money Bank, Original Creditor], Plaintiff-Appellant, v. Alisa Johnson, Defendant-Respondent.

Superior Court of New Jersey, Appellate Division.

Decided August 29, 2016.

Attorney(s) appearing for the Case

Lawrence J. McDermott, Jr. , argued the cause for appellant/cross-respondent in A-5797-13, and for appellants in A-0151-14 and A-0152-14 (Pressler and Pressler, L.L.P., attorneys; Mr. McDermott, Steven A. Lang , and Michael J. Peters , on the briefs in A-5797-13; Mr. McDermott and Mr. Lang , on the briefs in A-0151-14; Mr. McDermott, on the briefs in A-0152-14).

Richard A. Mastro argued the cause for respondent/cross-appellant in A-5797-13 (Legal Services of Northwest Jersey, Inc., attorneys; Mr. Mastro, on the briefs).

Neil J. Fogarty argued the cause for respondents in A-0151-14 and A-0152-14 (Northeast New Jersey Legal Services, attorneys; Mr. Fogarty, on the briefs).

Yongmoon Kim argued the cause for amici curiae Consumers League of New Jersey and National Association of Consumer Advocates in A-0151-14 and A-0152-14 (Kim Law Firm, LLC, attorneys; Mr. Kim, of counsel and on the briefs).

Before Judges Fisher, Rothstadt, and Currier.

The opinion of the court was delivered by

In these three appeals, which we calendared back-to-back and consolidated for purposes of this opinion, we are asked to determine the statute of limitations applicable to an action filed to collect debts arising from a customer's use of a retail store's credit card which use is...

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