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|JAMES R. HAGY, III,
PATRICIA R. HAGY,
DEMERS & ADAMS; DAVID J. DEMERS,
GREEN TREE SERVICING, LLC; KEVIN WINEHOLD;
PROASSURANCE CASUALTY COMPANY,
| No. 17-3696|
Appeal from the United States District Court
for the Southern District of Ohio at Columbus.
No. 2:11-cv-00530—Terence P. Kemp, Magistrate Judge.
Argued: January 31, 2018
Decided and Filed: February 16, 2018
Before: SUHRHEINRICH, SUTTON, and BUSH, Circuit Judges.
SUTTON, Circuit Judge. David Demers, an attorney, sent a letter on behalf of his client
to the attorney for James and Patricia Hagy. The letter indicated that the Hagys would not have
to pay the balance on their loan and that the lender would not pursue any other remedies against
the Hagys. That seemed like good news for the Hagys. Little did Demers know that this epistle
would lead to six years (and counting) of litigation against him and his firm for violating the Fair
Debt Collection Practices Act. Because the complaint failed to identify a cognizable injury
traceable to Demers (and his firm) and because Congress cannot override this baseline
requirement of Article III of the U.S. Constitution by labeling the violation of any requirement of
a statute a cognizable injury, we must dismiss the appeal and, with it, the underlying case.