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9 canonical passages across 7 cases, quoted by 65 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 Ella M. Beler v. Blatt, Hasenmiller, Leibsker & Moore, LLC.
| # | Case | Flag | Canonical passage | Citers |
|---|---|---|---|---|
| 1 | Ella M. Beler v. Blatt, Hasenmiller, Leibsker & Moore, LLC Anchor | green | “a nonexclusive list of prohibited practices” | 12 |
| 2 | Ruth v. Triumph Partnerships | green | “any false, deceptive, or misleading representation or means in connection with the collection of any debt.” | 10 |
| 3 | Ruth v. Triumph Partnerships | green | “so clearly confusing on their faces that a court may award summary judgment to the plaintiff on that basis.” | 8 |
| 4 | Zemeckis v. Global Credit & Collection Corp. | green | “apparent from a reading of the letter that not even a significant fraction of the population would be misled by it.” | 7 |
| 5 | Pantoja v. Portfolio Recovery Associates, LLC | green | “because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency.” | 7 |
| 6 | Jeffrey Lox v. CDA Limited | green | “is capable of making basic logical deductions and inferences.” | 6 |
| 7 | Gruber v. Creditors' Protection Service, Inc. | green | “are evaluated under the objective 'unsophisticated consumer' standard” | 6 |
| 8 | Katiuska Bravo v. Midland Credit Management, Inc | green | “has consistently held that with regard to 'false, deceptive, or misleading representations' in violation of 1692e of the fdcpa, the standard is ... whether the debt collector's communication would deceive or mislead an unsophisticated, but reasonable, consumer if the consumer i…” | 6 |
| 9 | Pantoja v. Portfolio Recovery Associates, LLC | green | “the fdcpa prohibits a debt collector from luring debtors away from the shelter of the statute of limitations without providing an unambiguous warning that an unsophisticated consumer would understand.” | 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.