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heres the thing I want you to see this isnt a mortgage company imagine a boardroom meeting and somebody says you know we have to send monthly statements to our clients who have mortgages through us and somebody says well you know theres also this law since were considered a debt collector a lot of times that we have to only tell the truth we cant lie and somebody the board goes well what do you mean we cant send statements without lying and surely the fdcpa fair debt collection practices that does not apply to us because we have to send these statements if we have to send the statements we can lie we can be untruthful we can be unfair we can be unconscionable nothing any consumer can do for us and thats what they did here so lets take a look and see what the 11th circuit this is against face servicing July 1st 2022. lets see what they said they start off and they say look part of the job of a court is if you have a law passed by Congress another law passed by Congress and they
