The Complaint's factual allegations must be sufficient to raise a right to relief above the speculative level, however, and the motion to dismiss must be granted if the Complaint does not contain enough facts to state a claim to relief that is plausible on its face. Furthermore, the tenet that a court must accept as true all of the allegations contained in a complaint is inapplicable to legal conclusions. Threadbare recitals of the elements of a cause of action, supported by mere conclusory statements, do not suffice. Murphy v. Resurgent Capital Servs., L.P., No. 4:15CV506 JCH, 2015 WL 5124171, at *1 (E.D. Mo. Sept. 1, 2015) (citations omitted). "The purpose of the FDCPA is to eliminate abusive debt collection practices by debt collectors, ... and debt collectors are liable for failure to comply with any provision of the Act."
Threadbare recitals of the elements of a cause of action, supported by mere conclusory statements, do not suffice.Murphy v. Resurgent Capital Servs., L.P, No. 4:15CV506 JCH, 2015 WL 5124171, at *1 (E.D. Mo. Sept. 1, 2015) (citations omitted). When considering a motion for judgment on the pleadings, a court may consider materials outside the pleadings that are attached to the complaint and/or answer that are "embraced by the pleadings."
Feb. 13)adopted, 2015 WL 1166055 (S.D.Ind. Mar. 12, 2015) ; Grandidier v. Quantum3 Group, LLC, No. 1:14–CV–00138–RLY–TAB, 2014 WL 6908482, at *3 (S.D.Ind. Dec. 8, 2014) ; In re Feggins, 535 B.R. 862, 870–871 nn. 10–14 (Bankr.M.D.Ala.2015) (collecting cases); In re Holloway, 538 B.R. 137 (Bankr.M.D.Ala.2015) ; In re Avalos, 531 B.R. 748, 754 (Bankr.N.D.Ill.2015) ; In re Brimmage, 523 B.R. 134 (Bankr.N.D.Ill.2015) ; Order Denying Defendants' Motion to Dismiss Adversary Proceeding, Douglass v. LVNV Funding, LLC, (Bankr.S.D.Ohio Adv. Pro. 15–2148 September 21, 2015).SeeNeal v. Atlas Acquisitions, LLC, No. 3:14–cv–1113–J–34PDB, 2015 WL 5687785, at *7 (M.D.Fla. Sept. 25, 2015) ; Murphy v. Resurgent Capital Services, L.P., No. 4:15CV506 JCH, 2015 WL 5124171, at *2 (E.D.Mo. Sept. 1, 2015) ; Brock v. Resurgent Capital Services, LP, 14–0324–WD–M, 2015 WL 4985700, at *3 (S.D.Ala. Aug. 20, 2015) ; Nelson v. Midland Credit Mgmt., Inc., No. 4:15–CV–00816–ERW, 2015 WL 5093437, at *3 (E.D.Mo. Aug. 28, 2015)appealed sub nomDomick Nelson v. Midland Credit Mgmt., Inc., No. 15–20984 (8th Cir.); Townsend v. Quantum3 Group, LLC, 535 B.R. 415 (M.D.Fla.2015) ; Johnson v. Midland Funding, LLC, 528 B.R. 462 (S.D.Ala.2015) ; Torres v. Cavalry SPV I, LLC, 530 B.R. 268 (E.D.Pa.2015)appealed by No. 15–2131 (3rd Cir.); Robinson v. eCast Settlement Corp., No. 14 CV 8277, 2015 WL 494626, at *3 (N.D.Ill.