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On Monday of this week, the Supreme Court handed down the first decision written by Justice Neil Gorsuch.
Writing for a unanimous Court affirming the Fourth Circuit in Henson v. Santander Consumer USA, Inc., Justice Gorsuch held that a debt collector seeking to collect a debt that was owed to itself was not obliged to obey an act of Congress that regulates the activities of debt collectors seeking to collect debts owed to third parties.
Justice Gorsuch’s opinion is concise and eminently readable. Non-lawyer consumers, lawyers, and even Federal judges will understand it. He holds that a statute applies to those to whom it says it applies, and not to others.