4 canonical passages across 2 cases, quoted by 14 opinions in total. These passages cluster together because the same opinions keep quoting them side by side — they state parts of one doctrine. The anchor passage is from Goswami v. American Collections Enterprise, Inc..
| # | Case | Flag | Canonical passage | Citers |
|---|---|---|---|---|
| 1 | Goswami v. American Collections Enterprise, Inc. Anchor | green | “assume that the plaintiff-debtor is neither shrewd nor experienced in dealing with creditors.” | 5 |
| 2 | Taylor v. Perrin, Landry, deLaunay & Durand | green | “this standard serves the dual purpose of protecting all consumers, including the inexperienced, the untrained and the credulous, from deceptive debt collection practices and protecting debt collectors against liability for bizarre or idiosyncratic consumer interpretations of col…” | 3 |
| 3 | Goswami v. American Collections Enterprise, Inc. | green | “at the same time we do not consider the debtor as tied to the very last rung on the intelligence or sophistication ladder.” | 3 |
| 4 | Goswami v. American Collections Enterprise, Inc. | green | “must evaluate any potential deception in the letter under an unsophisticated or least sophisticated consumer standard.” | 3 |
A red or yellow flag on a member means the underlying case has negative treatment — for those, check the case page before relying on the passage.