Clendening v. Stillman, P.C.

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION ASHLEE CLENDENING, Case No. 20-11820 Plaintiff, Stephanie Dawkins Davis v. United States District Judge STILLMAN, P.C., Defendant. ___________________________ / OPINION AND ORDER GRANTING MOTION TO DISMISS (ECF No. 12) AND TERMINATING PENDING MOTION AS MOOT (ECF No. 11) I. PROCEDURAL HISTORY Plaintiff, Ashlee Clendening, filed this lawsuit against the law firm of Stillman, PC on July 6, 2020. (ECF No. 1). Clendening asserts violations of the Fair Debt Collections Practices Act, 15 U.S.C. § 1692 et seq. (FDCPA) arising from defendant’s in-person service of process on her while the Michigan Governor’s declaration of emergency and stay-at-home orders were in place due to the COVID-19 pandemic. Defendant has filed a motion to dismiss the complaint, arguing that Clendening has failed to sufficiently allege Article III standing to assert her claims under the FDCPA. (ECF No. 12). That motion is fully briefed, and the Court held a video hearing on the motion on March 17, 2021, pursuant to notice. (ECF Nos. 16, 19, 22, 30). For the reasons set forth below, the court concludes that Clendening has not sufficiently alleged Article III standing to assert her claims under the FDCPA and accordingly, her complaint is DISMISSED. II. FACTUAL BACKGROUND On May 4, 2020, Ashlee Clendening found a note taped to her door telling her that an “emergency call was needed to the phone number listed on the note.” (ECF No. 1, ¶ 27). Clendening called that number and was told she needed to be served with “court papers” and the person serving the papers would be there within 15 minutes. Id. at ¶ 26 . More than 15 minutes later, after Clendening had become distracted with other things, a man arrived at her door and served her in person with a lawsuit filed by Stillman Law Office (Stillman) to collect a debt owed to Stillman’s client. Clendening is a “healthcare worker and her family all have preexisting conditions.” The process server was not wearing a mask or gloves when he served the Summons and Complaint in the Collection Case. Id. at ¶ 31 . This stunned Clendening and made her anxious and worried about potential exposure to COVID-19. Id. at ¶ 32-33 . She consulted an attorney and nine days after being served, she underwent credit counseling as a precursor to her May 29, 2020 chapter 7 bankruptcy filing. (ECF No. 12-1, Ex. A). The summons served on Clendening was the SCAO1 form that notifies a defendant that she has 21 days after personal service to answer the complaint. (ECF 1-1, PageID.29). The SCAO form did not disclose that, on March 23, 2020, the Michigan Supreme Court suspended the need to a respond to a complaint during the period of the COVID-19 state of emergency. (ECF No. 1, ¶¶ 17, 88; Mich. Sup. Ct. Adm. Order 2020-03). Clendening contends that Stillman’s actions violated the FDCPA and Michigan’s Regulation of Collection Practices Act (RCPA) because serving process during the period in which the State of Michigan was under various orders restricting public gatherings was “harassment” and because the representation in the SCAO summons that she had 21 days to answer the complaint in the Collection Case was false. She also alleges that the use of the SCAO form violated the rights of a class of people because the representation in the SCAO summons that the plaintiff had 21 days to answer the complaint in the Collection Case was false or misleading, in violation of the FDCPA. III. DISCUSSION A. Standard of Review A challenge to a party’s Article III standing invokes a federal court’s subject matter jurisdiction and is properly raised by a motion made under Federal Rule of 1 “SCAO” is an acronym for the State Court Administrative Office, which is the administrative agency of the Michigan Supreme Court. See https://courts.michigan.gov/administration/scao/pages/default.aspx (last accessed 3/22/21). Civil Procedure 12(b)(1). In re Blasingame, 585 B.R. 850, 858 (B.A.P. 6th Cir. 2018), aff’d, 920 F.3d 384 (6th Cir. 2019) (citing Allstate Ins. Co. v. Global Med. Billing, Inc., 520 Fed. Appx. 409, 410-11 (6th Cir. 2013) (unpublished) (citations omitted); Kepley v. Lanz, 715 F.3d 969, 972 (6th Cir. 2013)). As explained in McQueary v. Colvin, 2017 WL 63034 , at *3 (W.D. Ky. Jan. 5, 2017), a Rule 12(b)(1) motion to dismiss for lack of subject matter jurisdiction “can challenge the sufficiency of the pleading itself (facial attack) or the factual existence of subject matter jurisdiction (factual attack).” Cartwright v. Garner, 751 F.3d 752, 759 (6th Cir. 2014) (citing United States v. Ritchie, 15 F.3d 592, 598 (6th Cir. 1994)). “A facial attack is a challenge to the sufficiency of the pleading itself. On such a motion, the court must take the material allegations of the petition as true and construed in the light most favorable to the nonmoving party.” McQueary, at *3 (quoting Ritchie, 15 F.3d at 598 ); see also Cartwright, 751 F.3d at 759 (“A facial attack goes to the question of whether the plaintiff has alleged a basis for subject matter jurisdiction, and the Court takes the allegations of the complaint as true for purposes of the Rule 12(b)(1) analysis”). “A factual attack, on the other hand, is not a challenge to the sufficiency of the pleading’s allegations, but a challenge to the factual existence of subject matter jurisdiction.” McQueary, at *3 (quoting Ritchie, 15 F.3d at 598 ). And, where a plaintiff relies on evidence outside the complaint to support a standing claim, the challenge is factual, and the Court instead must assess the factual basis for jurisdiction by weighing the evidence tendered. Forgy v. Stumbo, 378 F. Supp. 2d 774, 776 (E.D. Ky. 2005) (citing DLX, Inc. v. Kentucky, 381 F.3d 511, 516 (6th Cir. 2004)); see also Kardules v. City of Columbus, 95 F.3d 1335 , 1347 n. 4 (6th Cir. 1996) (The Sixth Circuit has recognized a district court's authority to consider extrinsic evidence when addressing the issue of standing.). Here, defendant makes a facial attack, asserting that Clendening’s complaint fails to identify a sufficiently concrete harm, as required by Article III, except as to the assertion that Clendening fails to show her injury is akin to battery, where defendant relies on evidence outside the complaint. (ECF No. 19, PageID.245, n. 1). B. Standing Article III of the Constitution empowers the federal judiciary to decide “Cases” and “Controversies,” U.S. CONST. art. III, § 2, “a limitation long understood to confine the federal courts to concrete disputes presented in a form historically recognized as appropriate for judicial resolution in the AngloAmerican legal tradition.” Larkin v. Finance System of Green Bay, Inc., 982 F.3d 1060 (7th Cir. 2020) (citing DaimlerChrysler Corp. v. Cuno, 547 U.S. 332, 341 (2006). To invoke the jurisdiction of a federal court, a plaintiff must demonstrate that she has standing to sue, a requirement “rooted in the traditional understanding of a case or controversy.” Spokeo, Inc. v. Robins, 136 S. Ct. 1540, 1547 (2016). Spokeo, 136 S. Ct. at 1547 . To establish standing, a plaintiff has the burden to establish that she has “(1) suffered an injury in fact, (2) that is fairly traceable to the challenged conduct of the defendant, and (3) that is likely to be redressed by a favorable judicial ruling.” Id. At the pleading stage, the standing inquiry asks whether the complaint “clearly ... allege[s] facts demonstrating each element” of the standing inquiry. Id. (quotation marks omitted). As discussed below, the primary dispute before the court is whether Clendening suffered an injury-in-fact. “To establish injury in fact, a plaintiff must show that he or she suffered ‘an invasion of a legally protected interest’ that is ‘concrete and particularized’ and ‘actual or imminent, not conjectural or hypothetical.’” Id. at 1548 (quoting Lujan v. Defenders of Wildlife, 504 U.S. 555, 560 (1992)). The key question here is whether Clendening has alleged an injury that is “both concrete and particularized.” Id. As the Larkin court explains, particularization is generally easy to understand. An injury is particularized if it “affect[s] the plaintiff in a personal and individual way.” Id. (quoting Lujan, 504 U.S. at 560 n.1). The claimed injury cannot be a generalized grievance shared by all members of the public. DaimlerChrysler Corp., 547 U.S. at 342-44 . Rather, the plaintiff himself must have personally suffered an actual injury or an imminent threat of injury. Id.; see also Thole v. U.S. Bank N.A., 140 S. Ct. 1615, 1619 (2020) (affirming a dismissal for lack of standing because the plaintiffs themselves had no stake in the lawsuit). On the other hand, concreteness is more challenging. “A concrete injury must be de facto; that is, it must actually exist.” Larkin, 982 F.3d at 1064 (quoting Spokeo, 136 S. Ct. at 1548 (quotation marks omitted)). That is, a concrete injury is one that is “real, ... not abstract.” Id. (quotation marks omitted). But “concrete” does not necessarily mean “tangible.” Both tangible and intangible harms can satisfy the concreteness requirement, although tangible injuries—e.g., physical harms and monetary losses—are “easier to recognize.” Id. at 1549 . Larkin further explains that intangible harms often raise more difficult injury-in-fact questions. In the context of suits seeking relief for statutory violations, “both history and the judgment of Congress play important roles” in the analysis. Id. (citation omitted). Congress may identify and elevate historically non-cognizable intangible harms to the status of cognizable injuries, and when it does so, “its judgment is ... instructive and important.” Id. But congressional judgment is not conclusive. Instead, as the Supreme Court emphasized in Spokeo, a congressional decision to create a cause of action “does not mean that a plaintiff automatically satisfies the injury-in-fact requirement whenever a statute grants a person a statutory right and purports to authorize that person to sue to vindicate that right.” Id. Because Congress cannot override the case-or-controversy requirement, “Article III standing requires a concrete injury even in the context of a statutory violation.” Id. With these principles in mind, the court will evaluate Clendening’s contention that she has alleged a sufficiently concrete injury and thus has standing to assert the claims in this lawsuit. 1. Count I – 15 U.S.C. §§ 1692d(1) and 1692c(a)(1) Clendening alleges the personal service of a summons and complaint in a debt collection matter was not necessary to sustain or protect life or to conduct minimum basic operations under the Governor’s EO. Accordingly, Clendening maintains that defendant violated the EO by effectuating personal service on her. Clendening likens such conduct to abuse of process and common law battery.2 Clendening alleges that defendant’s conduct violated the FDCPA’s prohibition on using or threatening to use violence or other criminal means to harm the physical person, reputation or property of another person. 15 U.S.C. § 1692d(1). Clendening also contends that such service violated the FDCPA’s prohibition on communicating with a consumer at a place known or which should be known as inconvenient to the consumer. 15 U.S.C. § 1692c(a)(1). In its motion to dismiss, defendant contends that Clendening’s fear of contracting COVID-19 is not a sufficiently concrete injury such that she has standing to assert this claim. Defendant relies primarily on Buchholz v. Meyer 2 Clendening also mentions the common law tort of trespass in her response to the motion to dismiss. This theory, however, is not mentioned in the complaint and accordingly, will not be addressed further. Njus Tanick, PA, 946 F.3d 855, 860 (6th Cir. 2020) in support of its argument. In Buchholz, the plaintiff alleged that he suffered emotional distress when he received debt collection letters that misled him into fearing he would be sued if he did not promptly pay the debt. Id. at 859 . The trial court dismissed Buchholz’s complaint, holding that he lacked standing to sue based on these alleged injuries. Id. On appeal, Buchholz argued that his emotional distress and fear of litigation was a harm that was sufficiently concrete to justify his standing in federal court. Id. at 863 . The Court found this argument dubious, noting the rule that “general emotional ‘harm,’ no matter how deeply felt, cannot suffice for injury-in-fact for standing purposes.” Id. at 861 , 864-865 (citing Humane Society of United States v. Babbitt, 46 F.3d 93 , 98 (D.C. Cir. 1995) and Hein v. Freedom From Religion Found., Inc., 551 U.S. 587, 619-620 (2007)). The Court did not reach the issue, however, because Buchholz’s emotional distress claim related to a fear of future harm, “an ‘injury’ that is rarely cognizable.” Id. at 865. The Court explained that, in order for a future-oriented fear to be sufficiently “concrete” to confer standing, “it is not enough that the future injury is reasonably likely to occur – the ‘threatened injury must be certainly impending.’” Id. (citations omitted). The Court concluded that Buchholz lacked standing because the threat of litigation was not “certainly impending” at the time he filed his FDCPA complaint. Based on Buchholz, defendant argues that Clendening’s claim is not based on a “certainly impending” harm, but instead, is based on a speculative fear of contracting COVID-19. Clendening does not allege that the process server had COVID-19 so defendant argues that any chance of contracting COVID-19 from the brief outdoor encounter was extremely remote. In response, Clendening argues that her FDCPA claims in Count I are akin to the common law torts of battery and abuse of process because process was served at a time when all persons in Michigan were subject to the Governor’s order to stay at home and a willful violation of that order was a misdemeanor. Clendening asserts that under the EO, she had an absolute right to be “free from the criminal approach of a process server to serve a debt collection lawsuit.” (ECF No. 16, PageID.209). Clendening also argues that Buchholz is not applicable because her claim does not hinge on a fear of a potential risk of harm. Clendening maintains that even if Buchholz were applicable, she still has Article III standing because her emotional response was caused directly by the in-person service of process. Clendening argues that the EO had the force of law and defendant knew or should have known that it was inconvenient to communicate with Clendening in person during a pandemic. Clendening also points out that Buchholz expressly declined to decide whether a bare anxiety allegation failed to satisfy the injury-infact requirement. The concurring opinion observed that Justice Thomas’ concurrence in Spokeo, “suggests that mental harms arising from the violation of only personal rights create Article III cases.” Buchholz, at 872 (Murphy, J., concurring) (citing Spokeo, 136 S. Ct. at 1550-53 ) (Thomas, J., concurring), and noted that, “courts have allowed recoveries for mental anxiety alone when caused by an attempted battery.” Id. at 873-74 (citations omitted). A plaintiff is the master of her complaint and likewise, controls her own theories of standing. Here, Clendening is not primarily relying on anxiety created by the fear of contracting COVID-19 as her injury-in-fact as to her claims under § 1692(d)(1). Rather, her claimed basis for establishing injury-in-fact is that the service of process here was akin to the common law torts of abuse of process and battery. The Eleventh Circuit Court of Appeals ably describes how a plaintiff can attempt to show a direct harm in this way. To succeed on this theory, she must show that the violation bears “a ‘close relationship’ to a traditionally redressable harm.” Muransky v. Godiva Chocolatier, Inc., 979 F.3d 917 , 931 (11th Cir. 2020) (quoting Spokeo, 136 S. Ct. at 1549 ) (citation omitted). Muransky cautions against overcomplicating the simple instruction that a court must examine whether a new harm is similar to an old harm. Id. at 931. In Muransky, the plaintiff sought to establish injury-in-fact by comparing the defendant’s violation of FACTA (Fair and Accurate Credit Transactions Act) to the common law tort of breach of confidence. The defendant violated FACTA by disclosing too many digits of the plaintiff’s credit card number on his receipt. A breach of confidence involves “the unconsented, unprivileged disclosure to a third party of nonpublic information that the defendant has learned within a confidential relationship.” Id. at 932. The court rejected the plaintiff’s attempt to draw a parallel between the FACTA violation and the common law breach of confidence tort, stating that there was no disclosure to a third party alleged by the plaintiff, and the plaintiff failed to allege any type of confidential relationship between himself and the store that issued the receipt. Under such circumstances, the court concluded that there was no “close relationship” between the FACTA violation and the tort of breach of confidence. Id. The court acknowledged that the “fit” between a traditionally understood harm and a more recent statutory cause of action “need not be perfect,” but the association in Muransky was found to be “strained,” at best. As such, the court concluded that the plaintiff did not plead an injury that “has been traditionally regarded as providing a basis for a lawsuit.” Id. (quoting Spokeo, 136 S.Ct. at 1549 ). Here, as explained above, Clendening likens her injury-in-fact to battery and abuse of process. Each of these common law torts will be examined in turn. In Jordan v. National City Bank, 2014 WL 1233718 (Mich. App. Mar. 25, 2014), the court identified the following elements that must be pleaded for an abuse of process claim: “To recover upon a theory of abuse of process, a plaintiff must plead and prove (1) an ulterior purpose and (2) an act in the use of process which is improper in the regular prosecution of the proceeding.” (Quoting Friedman v. Dozorc, 412 Mich. 1, 30 (1981)). Although not well-elucidated in Clendening’s response to the motion to dismiss, she does suggest in the complaint that the personal service was effectuated for the purpose of depriving her and the putative class members of their right to delay responding to the summons and complaint under the EO, in order to prompt a response from the recipient in regard to the debt. (ECF No. 1, ¶ 42). This is so because the summons served on Clendening was the SCAO form that is pre-printed to indicate that a defendant has 21 days after personal service to answer the complaint. (ECF 1-1, PageID.27). The SCAO form did not disclose that, on March 23, 2020, the Michigan Supreme Court suspended the requirement to a respond to a complaint during the period of the COVID-19 state of emergency. (ECF No. 1, at ¶¶ 17, 88; MSC AO 2020-03). Yet, the court is not convinced that a reasonable inference may be drawn from defendant’s failure to inform Clendening of the extension of time that its ulterior purpose was to deprive her and others of their right to delay. Regardless of defendant’s intent in failing to inform Clendening of the extended time within which she could answer the state court complaint, the instant complaint does not sufficiently allege any impropriety in the service of process. While the Governor’s EO generally required Michigan citizens to “stay at home,” it allowed workers to leave their homes as necessary to work to sustain or protect life or to “conduct minimum basic operations.” That initiating and serving lawsuits falls within the confines of “minimum basic operations” is made clear by the Michigan Supreme Court Administrative Order 2020-3, which extended all deadlines pertaining to case initiation and the filing of initial responsive pleadings in all civil and probate matters during the pendency of the state of emergency declared by the Governor, but which also expressly indicated that litigants were free to pursue litigation: This order in no way prohibits or restricts a litigant from commencing a proceeding whenever the litigant chooses, nor does it suspend or toll any time period that must elapse before the commencement of an action or proceeding. Courts must have a system in place to allow filings without face-to-face contact to ensure that routine matters, such as filing of estates in probate court and appointment of a personal representative in a decedent’s estate, may occur without unnecessary delay and be disposed via electronic or other means. See Michigan Supreme Court AO 2020-3, https://courts.michigan.gov/Courts/MichiganSupremeCourt/rules/court-rulesadmin-matters/Administrative%20Orders/2020-08_2020-0501_FormattedOrder_AmendtAO2020-3.pdf (last accessed 3/16/21) (emphasis in original).3 And, while the Michigan Supreme Court amended a number of 3 The Governor’s Executive Order 2020-58 essentially mirrors the Michigan Supreme Court AO 2020-3. See https://www.michigan.gov/whitmer/0,9309,7-387-90499_90705-526795- -,00.html (last accessed 3/31/21). Michigan Court Rules during the pendency of the state of emergency, the rules regarding service of process were not among them. https://courts.michigan.gov/Courts/MichiganSupremeCourt/rules/Documents/Adm inistrative%20Orders.pdf (last accessed 3/16/21). Indeed, the Michigan Supreme Court must have contemplated that service of process would continue as allowed by Mich. Ct. Rule 2.105, or it would not have extended the time for litigants to answer complaints. Given that in-person service of process is one of two methods permitted under Rule 2.105 for individuals, had the Court intended to preclude such service, much like it did with restricting in-person court activity, it would have expressly indicated as much or modified the court rule, as it so modified other court rules to address the pandemic. Notably, the AO focuses on reducing face-toface contact for court proceedings, and does not indicate that in-person service of process falls within its scope. The complaint here does not allege an impropriety in the service of process, as required by the tort of abuse of process. Accordingly, the court finds that the complaint here does not allege a sufficiently close relationship between the alleged violation of the FCDPA and the common law tort of abuse of process. The court reaches the same conclusion for Clendening’s battery theory. Under Michigan law, the elements of assault and battery are as follows: An assault is “any intentional unlawful offer of corporal injury to another person by force, or force unlawfully directed toward the person of another, under circumstances which create a well-founded apprehension of imminent contact, coupled with the apparent present ability to accomplish the contact.” Espinoza v. Thomas, 189 Mich. App 110, 119; 472 NW2d 16 (1991). This Court defined battery as “the wilful and harmful or offensive touching of another person which results from an act intended to cause such contact.” Id. [Smith v. Stolberg, 231 Mich. App 256, 260; 586 NW2d 103 (1998).] Burrell v. Cty. of Macomb, No. 295637, 2011 WL 1879622 , at *2 (Mich. Ct. App. May 17, 2011). Clendening does not allege that the process server engaged in conduct akin to an assault. Rather, she claims that the service of process bears a close relationship to a battery. Yet, she offers little analysis regarding this claim and no authority suggesting that the conduct of the process server would constitute a “battery” under Michigan law, or even something akin to it. See McPherson v. Kelsey, 125 F.3d 989, 995-96 (6th Cir. 1997) (“[I]ssues adverted to in a perfunctory manner, unaccompanied by some effort at developed argumentation, are deemed waived. It is not sufficient for a party to mention a possible argument in the most skeletal way, leaving the court to ... put flesh on its bones.”) (quoting Citizens Awareness Network, Inc. v. United States Nuclear Regulatory Comm’n, 59 F.3d 284, 293-94 (1st Cir. 1995) (citation omitted)); see also Emerson v. Novartis Pharm. Corp., 446 Fed. Appx. 733, 736 (6th Cir. 2011) (quoting United States v. Dunkel, 927 F.2d 955, 956 (7th Cir. 1991) (per curiam) (“‘Judges are not like pigs, hunting for truffles’ that might be buried in the record.”). Notably, while not a perfect analogy, defendant raises the point that postal carriers and Amazon drivers were neither precluded from nor arrested for delivering non-essential packages and certified mail. See https://about.usps.com/newsroom/service-alerts/pdf/uspscontinuity-of-operations-03-20-2020.pdf (last accessed 3/22/21). This further buttresses the court’s conclusion that Clendening has not come forward with any authority suggesting that in-person service of process during the pendency of the state of emergency and the stay-at-home orders is conduct akin to a common law battery. Accordingly, the court finds that the complaint here fails to allege a sufficiently close relationship between the alleged violation of the FCDPA and the common law tort of battery. Next, Clendening alleges that the in-person service of process violated § 1692c(a)(1), which bans debt collectors from communicating with “the consumer” at “any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.” According to this provision, a debt collector may presume that “the convenient time for communicating with a consumer is after 8 o’clock antemeridian and before 9 o’clock postmeridian, local time at the consumer’s location.” 15 U.S.C. § 1692c(a)(1). Clendening does not allege that service of process occurred outside the hours specified in the statute. Moreover, Clendening has not offered any authority for the proposition that service of process at one’s home falls within the prohibitions of this statutory provision. She seems to suggest that any in-person service of process during the Governor’s state of emergency was prohibited and thus, must be “inconvenient.” Yet, as explained above, in-person service of process was not expressly barred during the state of emergency and while the Governor’s stay-at-home order was in effect. While the statute speaks of inconvenience in terms of time of day and/or place, it is unclear whether in-person service of process during what can only be characterized as a once-in-a-lifetime pandemic falls within the parameters of “inconvenient” as that term is used in the statute. In any event, the court need not reach a conclusion on this question as it has little bearing on the more salient consideration – whether Clendening has sufficiently alleged an injury-in-fact to support her claim of standing. Unlike Clendening’s claims under § 1692d(1), the alleged injury-in-fact for this claim under § 1692c(a)(1) is based on her fear of contracting COVID-19. This issue is controlled by Buchholz, where the Sixth Circuit concluded the claim at issue related to a fear of future harm, “an ‘injury’ that is rarely cognizable.” Id. at 865. The Court explained that, in order for a future-oriented fear to be sufficiently “concrete” to confer standing, “it is not enough that the future injury is reasonably likely to occur – the ‘threatened injury must be certainly impending.’” Id. (citations omitted). The Court found that Buchholz lacked standing because the alleged harm – the threat of litigation – was not “certainly impending” at the time he filed his FDCPA complaint. Here, Clendening’s claim is also not based on a “certainly impending” harm, but instead, is based on a speculative fear of contracting COVID-19. Clendening does not allege that the process server had COVID-19 and the court concludes that the fear of contracting COVID-19 from a brief outdoor encounter is an alleged injury that is far too speculative to support standing. Accordingly, the court finds that Clendening has not alleged an injuryin-fact sufficient to support Article III standing for this claim. 2. Count III – 15 U.S.C. § 1692e(2)(A) Section 1692e of the FDCPA prohibits debt collectors from making “false, deceptive, or misleading communications in connection with the collection of any debt.” 15 U.S.C. § 1692e. This provision provides a non-exhaustive list of violations, including prohibiting a false representation of “the character, amount, or legal status of any debt.” 15 U.S.C. § 1692e(2)(A). To violate § 1692e, a statement must be “materially false or misleading, that is, the statement must be technically false, and one which would tend to mislead or confuse the reasonable unsophisticated consumer.” McNamee v. Nationstar Mortg. LLC, 2021 WL 201189 , at *5 (S.D. Ohio Jan. 20, 2021) (quoting Newton v. Portfolio Recovery Assocs., LLC, 2014 WL 340414 , at *6 (S.D. Ohio Jan. 30, 2014)). To fall within the ambit of the FDCPA, a communication regarding debt collection must also have the “animating purpose” of inducing payment by the debtor. Grden v. Leikin Ingber & Winters PC, 643 F.3d 169, 173 (6th Cir. 2011). While defendant did not move to dismiss the complaint pursuant to Rule 12(b)(6), the court notes that it is difficult to see how a summons and complaint, even with an incorrect deadline, constitutes a false representation regarding the “character, amount, or legal status of any debt.” As to standing, defendant argues that Clendening’s mistaken belief that she had only 21 days to answer the complaint is not a concrete injury. Defendant argues that under Lyshe v. Levy, 854 F.3d 855 (6th Cir. 2017), Clendening cannot establish a concrete harm. The plaintiff in Lyshe received discovery in a state court case from the defendant debt-collector that misrepresented the terms under which the discovery had to be answered. The Lyshe court found that misrepresentations concerning state court procedures “was not the type of harm the FDCPA was designed to prevent” and, even if it were, the plaintiff did not allege that he acted on the misinformation. Id. Similarly, to the extent Clendening was misled regarding the deadline to answer the complaint, such a misstatement regarding the deadline does not appear to be the kind of harm that the FDCPA was designed to prevent. Clendening relies on Adams v. Seterus, Inc., 2019 WL 4735157 , at *3 (E.D. Mich. Sept. 27, 2019) as a counter to Lyshe. There, the plaintiff alleged that the defendant’s misrepresentations that they would lose their home could “induc[e] homeowners into inaction or delay in asserting possible defenses, such that they may wrongfully lose their homes as a result.” Id. (citing Martin v. Trott Law, P.C., 265 F.Supp.3d 731, 747 (E.D. Mich. 2017) (deceptive communications could lead a plaintiff to “make decisions detrimental to his personal financial position or legal rights that he otherwise would [not] make, if he were fully and accurately informed”). Clendening says that because of the incorrect 21-day deadline, she took actions inconsistent with the extension provided by the Administrative Order. Specifically, she sought out an attorney, who reviewed her financial situation and filed bankruptcy on her behalf. (ECF No. 1, ¶ 40). In the court’s view, Clendening has not alleged that she took any detrimental actions in reliance on the representation regarding the answer deadline. Rather, the steps taken by Clendening – hiring a lawyer and filing bankruptcy with the advice of counsel – are not injuries caused by the misstatement. Clendening does not dispute that she owed the debt and filing bankruptcy to deal with an undisputed debt is quite unlike the circumstances in Adams, where the plaintiffs alleged that their reliance on the defendant’s misrepresentations caused them to take actions that could lead to losing their homes. Here, Clendening chose to hire a lawyer and take his or her advice to file bankruptcy, a decision that did not result from the 21-day misstatement. A decision to hire a lawyer is not detrimental reliance. Were this so, hiring a lawyer to defend against any summons and complaint that contained any misstatement of fact could support a misrepresentation claim, a proposition for which Clendening offers no authority. Further, to the extent that Clendening asserts harm from addressing the debt, choosing to resolve the debt is precisely the type of “selfinflicted” injury that will not support standing. As explained in Buchholz, at the pleading stage, the plaintiff’s burden of “alleging that their injury is ‘fairly traceable’” to the defendant’s challenged conduct is “relatively modest[.]” Id. at 866 (quoting Bennett v. Spear, 520 U.S. 154, 171 (1997)). Thus, harms that flow “indirectly from the action in question can be said to be ‘fairly traceable’ to that action for standing purposes.” Id. (quoting Focus on the Family v. Pinellas Suncoast Transit Auth., 344 F.3d 1263, 1273 (11th Cir. 2003)). Yet, a plaintiff cannot meet the traceability requirement where an injury is “so completely due to the [plaintiff’s] own fault as to break the causal chain.” Id. (quoting Petro-Chem Processing, Inc. v. E.P.A., 866 F.2d 433, 438 (D.C. Cir. 1989) (quoting 13 Wright, Miller & Cooper, Federal Practice and Procedure § 3531.5, at 458 (2d ed. 1984)). Here, the causal chain is plainly broken because Clendening’s alleged injury – the filing of bankruptcy – is the result of advice of counsel, not the 21-day misstatement. Again, the crux of the matter is that Clendening has not alleged any detrimental reliance. Accordingly, she has alleged no harm that is fairly traceable to defendant’s conduct and does not have standing to assert this claim. C. Supplemental Jurisdiction Where, as here, the court has “dismissed all claims over which it has original jurisdiction,” 28 U.S.C. § 1367 (c)(3), the Sixth Circuit has repeatedly advised that the district courts should not exercise supplemental jurisdiction over state law claims. See e.g., Brown v. Cassens Transport Co., 546 F.3d 347, 363 (6th Cir. 2008). Accordingly, Clendening’s state law claims are dismissed without prejudice. D. Remaining Pending Motion Also pending before the court is defendant’s motion to deny class certification. However, when it is determined that a plaintiff does not have an individual claim, she cannot serve as a class representatives. Thus, any motions pertaining to class certification must be denied as moot. See Moore v. First Advantage Enterprise Screening Corp., 2013 WL 1662959 (N.D. Ohio Apr. 17, 2013) (citing Chambers v. American Trans. Air, 17 F.3d 998, 1006 (7th Cir. 1994) (District court decision to deny class certification motion as moot affirmed on appeal because “an individual bringing an action on behalf of a class must be a member of the class and ‘possess the same interest and suffer the same injury’ as members of the class. Having no individual cause of action, [plaintiff] cannot represent a class.”) (citing Schlesinger v. Reservists Committee to Stop the War, 418 U.S. 208, 216 (1974)); see also Black v. Gen’l Information Solutions, LLC, 2018 WL 1070868 , *11 (N.D. Ohio Feb. 26, 2018) (same); Ahmed v. Univ. of Toledo, 822 F.2d 26, 28 (6th Cir. 1987) (“Shipp [v. Memphis Area Office, Tennessee Dep’t of Emp. Sec., 581 F.2d 1167 (6th Cir. 1978] … held, following East Texas Motor Freight Systems, Inc. v. Rodriguez, 431 U.S. 395 (1977), that where a prospective plaintiff class representative was found to have no meritorious claim himself, and no class had ever been certified, dismissal of the individual claim eliminated any basis for adjudicating the class claims.”). Accordingly, the Motion to Deny Class Certification (ECF No. 11) is DENIED as moot. IV. CONCLUSION AND ORDER For the reasons set forth above, defendant’s motion to dismiss is GRANTED, plaintiff’s complaint is DISMISSED without prejudice, and the pending motion to deny class certification is DENIED as moot. IT IS SO ORDERED. Date: April 8, 2021 s/Stephanie Dawkins Davis Stephanie Dawkins Davis United States District Judge