discussed Cited "see" Fifth Third Bank v. Jones-Williams, Unpublished Decision (8-9-2005) See Bank of New York v. Barclay, Franklin App. No. 03AP-844, 2004-Ohio-1217 , certiorari denied, 161 L.Ed.2d 278 , 125 S.Ct. 1595 , 2005 U.S. LEXIS 2257, 73 U.S.L.W. 3529 . {¶ 35} Assuming without deciding appellants' proposition that the FDCPA operated to preclude initiation of litigation against them, or stay it once initiated, our review of the record reveals appellants failed to raise a genuine issue of material fact to substantiate their claim that appellee was in violation of the FDCPA.