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Appellant's substitute reply brief oral argument requested - courts mo

Appellant's substitute reply brief oral argument requested - courts mo 2025

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The document is an Appellant's Substitute Reply Brief submitted to the Supreme Court of Missouri in the case of Royal Financial Group, LLC vs. Margaret A. George. It addresses inaccuracies in the Respondent's statements regarding the Appellant's claims and defenses related to a debt collection lawsuit. The Appellant argues that she was not required to prove 'bad faith' on the part of Royal Financial and emphasizes that the debt in question was stale, asserting that Royal Financial lacked evidence to support its claims. The brief seeks to clarify legal standards under the Fair Debt Collection Practices Act (FDCPA) and argues against misrepresentations made by the Respondent.

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