5 canonical passages across 3 cases, quoted by 47 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 Campuzano-Burgos v. Midland Credit Management., Inc..
| # | Case | Flag | Canonical passage | Citers |
|---|---|---|---|---|
| 1 | Campuzano-Burgos v. Midland Credit Management., Inc. Anchor | green | “even the least sophisticated debtor is bound to read collection notices in their entirety.” | 15 |
| 2 | George Wilson, on Behalf of Himself and All Others Similarly Situated v. Quadramed Corporation, George Wilson | green | “prevents liability for bizarre or idiosyncratic interpretations of collection notices by preserving a quotient of reasonableness and presuming a basic level of understanding and willingness to read with care.” | 13 |
| 3 | George Wilson, on Behalf of Himself and All Others Similarly Situated v. Quadramed Corporation, George Wilson | green | “it also prevents liability for bizarre or idiosyncratic interpretations of collection notices by preserving a quotient of reasonableness and presuming a basic level of understanding and willingness to read with care.” | 7 |
| 4 | Brown v. Card Service Center | green | “all consumers, the gullible as well as the shrewd.” | 7 |
| 5 | Campuzano-Burgos v. Midland Credit Management., Inc. | green | “attorney debt collectors warrant closer scrutiny because their abusive collection practices 'are more egregious than those of lay collectors.” | 5 |
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.