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Lender cleared in foreclosure lawsuit

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In the case Warren v. Countrywide Home Loans, homeowner Reginald Warren defaulted on his mortgage, and lender Countrywide Home Loans foreclosed on the property.Prior to the foreclosure, the homeowner requested that Countrywide verify the mortgage debt. Countrywide, however, failed to respond to the homeowner's debt verification request and proceeded with the foreclosure sale. The homeowner filed suit, claiming that Countrywide's failure to verify his mortgage debt prior to the foreclosure sale violated the federal Fair Debt Collection Practices Act (FDCPA) 15 USC Section 1692g(b). The district court dismissed the homeowner's claim summarily, and the appellate court affirmed the district court's ruling. The express language of a particular section of the FDCPA defines a debt collector as a person who is in the business of enforcing security interests, but specifies that this definition is strictly for purposes of that particular section of the Act.By so expressly limiting...