District Court, N.D. New York August 27, 2007, 1:06-cv-00067 (Cyphers v. Litton Loan Servicing, L.L.P.)

MEMORANDUM-DECISION and ORDER

DAVID N. HURD, District Judge.

I.

INTRODUCTION

Plaintiffs Bruce and Donna Cyphers (“plaintiffs”) bring this action against de

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fendants Litton Loan Servicing, L.L.P. (“Litton”), Carus & Manniello, P.C. (“Ca-rus”), and CGA Properties, L.L.C. (“CGA”) under various sections of the Fair Debt Collection Practices Act (“FDCPA”), 15 U.S.C.