national action a debt collector mailed chuway a debtor a letter which identified a creditor a credit card company and/

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1. The appeals court held the debt collection letter to violate the FDCPA. How could Chuway afford to sue National Action over such a small sum of money?
2. Why did National Action not use the language the court cited as providing a safe harbor because the words meet the specific requirements of the FDCPA?

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