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In an action claiming that defendant collection agency violated the Fair Debt Collection Practices Act (FDCPA) by charging a usurious rate of interest, summary judgment for defendant is affirmed where: 1) the creditor's assessment of finance charges was not a forbearance, and therefore there was no Washington usury law violation; and 2) the complaint correctly calculated the total debt plaintiff owed, accurately stated the principal owed, and accurately listed the total non-principal amount owed inclusive of interest and finance charges.
Argued and Submitted December 10, 2009
Filed January 13, 2010
Opinion by Judge Gould
Michael J. Beyer, Spokane, WA
Christopher J. Kerley, Evans, Craven & Lackie, P.S., Spokane, WA