Thursday, September 26, 2013

consumer - debt collection - notice - debt disputed

Hillman v. NCO Financial Systems – ED Pa. – Sept. 25, 2013


Under the statute, a debt collector must send a consumer a written notice containing, inter alia,  a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.  15 U.S.C. § 1692g(a)(4) (emphasis added).

In his allegations, plaintiff focuses on the fact that the sentence of the Letter that begins, “If you notify this office in writing within 30 days . . . .” fails to contain the words “that the debt, or any portion thereof, is disputed.”

The flaw in plaintiff’s argument is that a consumer, as a matter of law, does not specifically need to identify a dispute in writing, as plaintiff claims, to exercise the right to verification. “[U]nder the FDCPA, requesting verification is sufficient to trigger a debt collector’s verification obligations. ‘Dispute’ is a term of art in FDCPA parlance that means a request to verify the existence of a debt.” Gruber v. Creditors’ Protection Service, No. 12-cv-1243, 2013 WL 2072976, at *2 (E.D. Wis. May 14, 2013) (citing DeKoven v. Plaza Assocs., 599 F.3d 578, 582 (7th Cir. 2010)). Because the consumer need not include the actual word “dispute” in a request for verification, defendant’s failure to instruct the consumer to do so is inconsequential.

Monday, September 16, 2013

private right of action

Assn. of New Jersey Rifle and Pistol Clubs – Port Authority – 3d Cir. – September 16, 2013


Held, that Plaintiff did not have a private right of action under 18 US  926A concerning the transportation of firearms in interstate commerce. 

Thursday, September 12, 2013

UC - vol. quit - change of conditions - health problems - long commute

Karwowski v. UCBR – Sept. 12, 2013 – Cmwlth. Court


The Court (2-1) reversed the UCBR and held that a claimant with a 240 round-trip daily commute, which resulted in health problems, had good cause to quit the job.  Both parties attended the referee hearing, but only the Claimant testified.

The job was in North Carolina and paid 1/3 of what he made from his last job, which he had lost a year before.  He worked for about three weeks.

Before starting the job, Claimant searched for an apartment closer to work but found the cost range to be too expensive for him to pay, in light of the fact that Claimant was trying to maintain his current residence.) After starting the job, Claimant continued to look for an apartment and also sought help from Employer’s human resources department.  For two weeks, Claimant completed the five-hour, round-trip commute.  Claimant testified that he suffered severe anxiety and stress because of the commute. He was vomiting at work, and his family grew concerned about his safety.  The travelling adversely impacted his sleep, and several times he nearly fell asleep on the drive home. Claimant voluntarily quit, telling Employer that he was taking his career in a different direction.

Capricious disregard
Where, as here, the burdened party “is the only party to present evidence and did not prevail before the UCBR, our scope of review on appeal is whether the UCBR committed an error of law or capriciously disregarded the evidence.” See Eby v. Unemployment Compensation Board of Review, 629 A.2d 176, 178 (Pa. Cmwlth. 1993). While this formulation of the capricious disregard standard was subsumed by the Supreme Court decision in Leon E. Wintermyer, Inc. v. Workers’ Compensation Appeal Board (Marlowe), 571 Pa. 189, 812 A.2d 478 (2002), it still remains viable. Hinkle v. City of Philadelphia, 881 A.2d 22, 27 n.9 (Pa. Cmwlth. 2005) (providing a detailed description of the proper application of the capricious disregard standard post-Wintermyer). Where only one party presents evidence, as is the case here, the failure to credit such evidence is a per se violation of that standard.

Findings of fact not supported by substantial evidence
Claimant challenges the UCBR’s Finding of Fact Number 6, which states: “The claimant spoke with a human resources representative, who referred the claimant to another employee who had found an apartment near the employer’s site, at a reasonable price.”  Claimant argues that no evidence supports the UCBR’s introduction of the “at a reasonable price” language. We agree.   Claimant testified that he could not find an affordable apartment. There was no other evidence about the cost of nearby apartments. Thus, we agree with Claimant that this finding is not supported by any evidence, and we disregard it insofar as it implies that Claimant could afford a nearby apartment.

Claimant next challenges the UCBR’s Finding of Fact Number 7, which states: “The claimant did not consider sharing an apartment with a roommate.” (UCBR’s Findings of Fact, No. 7.) Nothing in the record indicates that Claimant did or did not consider sharing an apartment with a roommate. Moreover, nothing requires an employee to consider sharing an apartment with a roommate. Thus, we agree with Claimant that this finding is not supported by any evidence, and we disregard it.

 Claimant also challenges the UCBR’s Finding of Fact of Number 8, which states: “The claimant did not speak to his direct supervisor about the transportation problem.” (UCBR’s Findings of Fact, No. 8.) However, Claimant discussed the situation with his direct supervisor in order to modify his work schedule. (N.T. Ex. 5 at 2.) Employer presented no contradictory evidence at the hearing. Therefore, we agree that no evidence supports this finding, and we disregard it.

No reasons given for disregarding unchallenged finding by referee
The UCBR also disregarded the referee’s Finding of Fact Number 6, which stated: “The claimant contacted 3 realtors for information on apartments.” “The [UCBR] may not . . . simply disregard findings made by the referee which are based upon consistent and uncontradicted testimony without stating its reasons for doing so.” Treon v. UCBR, 499 Pa. 455, 460, 453 A.2d 960, 962 (1982). Claimant unambiguously testified that he contacted three real estate agents. Employer presented no contradictory evidence. If the UCBR did not credit or believe Claimant’s testimony, it needed to provide an explanation for disregarding the testimony to avoid abusing its discretion under the capricious disregard standard. See Hinkle, 881 A.2d at 27. Moreover, this finding of fact is not trivial or irrelevant because it highlights the efforts that Claimant made to find affordable housing near the jobsite. Thus, the UCBR erred in disregarding this finding without stating its reason for doing so, and we will consider this finding in determining whether Claimant had a necessitous and compelling reasons for voluntarily quitting.

“To be eligible for unemployment benefits under Section 402(b), a claimant has the burden of establishing a necessitous and compelling reason for voluntarily terminating his or her employment.” ….A claimant must demonstrate circumstances “‘which produce pressure to terminate employment that is both real and substantial, and which would compel a reasonable person under the circumstances to act in the same manner.’” ……Treon, 499 Pa. at 462, 453 A.2d at 963 (citation omitted) (finding that commute of over 300 miles created real and substantial pressure to compel a reasonable person to terminate his employment). “The crux of an inquiry in determining whether a claimant had cause of a necessitous and compelling nature for leaving his or her work is whether the offered work was suitable.” Speck, 680 A.2d at 29-30.  Section 4(t) of the Law lists factors to consider in determining the suitability of work including: “the distance of the available work from his residence” and “the permanency of his residence.” 43 P.S. §753(t).

Change of conditions not related to employer action
In Shaw v. UCBR,, 406 A.2d 608, 609 (Pa. Cmwlth. 1979), an employee accepted a position 100 miles away from his residence, knowing that the commute would take two hours to complete. The employee worked at the position for three months before resigning.  This court held that the difficult commute did not constitute a necessitous and compelling cause….Here, because Claimant accepted the position knowing of the arduous commute, we do not view the relatively subtle, factual differences raised by Claimant as distinctions making Shaw inapplicable. Thus, because Claimant accepted the position with Employer, a presumption exists that the position was suitable.

 However, a claimant may successfully assert that employment became unsuitable due to conditions he was not aware of when he took the job. …This court in Shaw noted that “to demonstrate his entitlement to benefits, [a claimant] must overcome that admission by showing a change in his job conditions or a deception by the employer, making him unaware, when he entered the employment relationship, of conditions which he later alleges to be onerous.” ….In other words, the presumption of suitability is rebuttable.

“Medical problems can constitute cause of a necessitous and compelling nature.” Wheelock Hatchery, Inc. v. UCBR, 648 A.2d 103, 107 (Pa. Cmwlth. 1994) (finding necessitous and compelling cause where an employee was denied a modified schedule needed to meet requirements of his substance abuse rehabilitation). “To establish health as a compelling reason for quitting a job a claimant must: (1) offer competent testimony that adequate health reasons existed to justify termination; (2) have informed the employer of the health problem; and (3) be available, where a reasonable accommodation is made by the employer, for work which is not inimical to his health.” Ridley School District v. UCBR 637 A.2d 749, 752 (Pa. Cmwlth. 1994)

Here, Claimant testified that after taking the job he experienced significant health problems as a result of the laborious commute. ….Employer did not contest this testimony. When Claimant accepted the job, he had been unemployed for over a year, and he was desperate enough to take a job paying him one-third of his previous salary. ….While Claimant knew that the commute would be difficult, he could not foresee that significant health complications would arise.  

Claimant informed Employer of his issues, speaking to his direct supervisor and the human resources department. Claimant made significant efforts to turn an impossibly difficult situation into a manageable one by revising his work schedule, looking into transferring to a branch office, researching carpooling, and searching for affordable apartments. When these efforts proved unsuccessful, necessarily, under the circumstances, Claimant made a reasonable decision to resign due to strains on his physical and mental health.

We recognize that Employer did not modify the conditions of Claimant’s employment or deceive him; however, Claimant did not anticipate the stress and anxiety that the long daily commute would cause him. Denying Claimant UC benefits only because he initially accepted the job would penalize him for making a reasonable effort in good faith to seek out and maintain new employment. Had Claimant declined the position, he would still be receiving UC benefits from his previous employer.7

7 In interpreting the Law, we recall that “an unemployed worker in a covered employment is entitled to benefits, and loses them only when he falls under the condemnation of a disqualifying provision of the [Law], fairly, liberally, and broadly interpreted.” Long, 475 A.2d at 192 (citation omitted).

Accordingly, we reverse.

Monday, September 09, 2013

MDJ court - non-attorney rep. personal knowledge of subject matter of litigation

order - http://www.pacourts.us/assets/opinions/Supreme/out/363mag.pdf?cb=1



+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

MDJ Rule 207

(B) A representative, employee, or authorized agent:

(1) must provide written verification of personal knowledge of the subject matter of the litigation, and

(2) may take no action on behalf of a party until the written authorization required under paragraph (A)(1), (2), or (3) is filed with the court.


Official Note

This rule is intended to permit a non-lawyer representative, employee, or authorized agent to appear on behalf of an individual, partnership, corporation or similar entity, or

unincorporated association, but not to allow a non-lawyer to establish a business for the purpose of representing others in magisterial district court proceedings.

 

It is intended that the designation of a non-lawyer representative, employee, or authorized agent to represent a party is to apply only on a case-by-case basis. A party may not give blanket authorization for a non-lawyer representative, employee, or authorized agent to represent the party in all cases involving the party.

 

As to ‘‘personal knowledge of the subject matter of the litigation’’ see Pa.R.E. 602 and Comment.

 

A business organized as a sole proprietorship may be represented in the same manner as an individual under paragraph (A)(1).

 

See rules in Chapter 800 as to representation of minors and incapacitated persons by guardians.

Friday, September 06, 2013

UC - vol. quit - transportation problems

RAME Inc. v. UCBR – Cmwlth Court – 9-6-13 – unreported memorandum opinion


For transportation inconvenience to constitute necessitous and compelling cause “a claimant must establish that the inconvenience presented an insurmountable problem and that he took reasonable steps to remedy or overcome the problem prior to terminating employment.” Pollard, 798 A.2d at 817. However, where a claimant makes a laudable effort to maintain employment and is thereafter forced to terminate his employment due to stressful circumstances and insurmountable commuting problems, “the decision to terminate employment rises above mere personal whim or choice and instead represents a reasonable response to causes of a necessitous and compelling nature.” Speck v. Unemployment Comp. Bd. of Review, 680 A.2d 27, 31 (Pa. Cmwlth. 1996).

There is a presumption that an unemployed worker who registers for UC benefits is able and available for work. Penn Hills Sch. Dist. v. Unemployment Comp. Bd. of Review, 496 Pa. 620, 437 A.2d 1213 (1981). Here, Employer offered no evidence that Claimant was not available for work.

--------------------------

The opinion, though not reported, may be cited "for its persuasive value, but not as binding precedent." 210 Pa. Code § 67.55. Citing Judicial Opinions.

 

municipal liens - burden of proof - strict compliance

City of Philadelphia v. Manu – Cmwlth. Court – Stpember 6, 2013




All lawfully imposed or assessed municipal claims are liens on the property by operation of law….The Municipal Liens Act provides for a specific, detailed and exclusive procedure that must be followed to challenge or collect on a municipal lien placed in cities of first class, such as the City.


Burden of proof

The City had the burden of proving strict compliance with the requirements of the Act. ….In reviewing each of these mandatory steps, it is apparent that there was not even substantial, let alone strict, compliance. The petition neither listed "all tax and municipal claims," nor gave any sense of their magnitude. …. Nonetheless, the City asserts that its actual lien is for $14,702.99 and, presumably, expects to collect at least that amount from the sale if the proceeds are sufficient.


The City had the burden of proving strict compliance with the requirements of the Act. ….In reviewing each of these mandatory steps, it is apparent that there was not even substantial, let alone strict, compliance. The petition neither listed "all tax and municipal claims," nor gave any sense of their magnitude. The only claim listed in the petition is a lien for unpaid water and sewer rents in the amount of $0. Subsequently, the City filed an amended claim for unpaid taxes in the amount of $657.54. Nonetheless, the City asserts that its actual lien is for $14,702.99 and, presumably, expects to collect at least that amount from the sale if the proceeds are sufficient.


Purpose of tax/sheriff's sales

The purpose of sheriff's sales under the Municipal Liens Act, as well as tax sales under the Real Estate Tax Sale Law,…is not to strip the owner of his or her property but to collect municipal claims. ….


Due process requires strict compliance
Strict compliance with the service requirement protects the procedural due process rights of all interested parties to notice and an opportunity to be heard and also guards against deprivation of property without substantive due process of law. ….The collection of claims may not be implemented without due process of law guaranteed by the United States and Pennsylvania Constitutions…..


Requirement of a hearing
Similarly, the requirement that the court hold a hearing to determine the accuracy of the facts in the City’s petition is an important due process safeguard. This is particularly true when the City is proceeding under …Municipal Liens Act,,,…where no judgment has been entered on the lien.

Tuesday, September 03, 2013

criminal convictions - expungement - burden of proof

Commonwealth v. Trimble – Superior Court – Sept. 3, 2013


In this case, the Commonwealth undeniably failed to meet its burden where elected not to oppose, in any way, Appellant’s petition. Thus, the trial court abused its discretion in finding that, “when balancing [Appellant’s] right to be free from the harm attendant to maintenance of the arrest record against the Commonwealth’s interest in preserving such records, in this particular case, greater weight must be afforded to the Commonwealth’s  interest in preserving such records,”where the Commonwealth simply did not advance an interest in preserving Appellant’s records. Accordingly, we reverse the order denying Appellant’s petition.

The Superior Court has required the trial court to "balance the individual's right to be free from the harm attendant to maintenance of the arrest record against the Commonwealth's interest in preserving such records." Commonwealth v. Wexler, 494 Pa. 325, 431 A.2d 877, 879 (Pa. 1981).

The mere assertion by the Commonwealth of a general interest in maintaining accurate records of those accused of a crime does not outweigh an individual's specific, substantial interest in clearing his or her record. Id. at 881-82. In addition, Wexler explicitly placed the burden of proof on the Commonwealth.

In general terms, we held that when the Commonwealth admits that it is unable to bear its burden of proof beyond a reasonable doubt at trial, then "the Commonwealth must bear the burden of justifying why the arrest record should not be expunged." Id. at 880. Commonwealth v. Moto, 23 A.3d 989, 993-94 (Pa. 2011) (emphasis added).