In a homeowner's suit against her mortgage service provider, claiming that it had engaged in illegal debt-collection practices in violation of the Fair Debt Collection practices Act (FDCPA), district court's grant of defendant's motion to dismiss is reversed as, generally, a communication from a debt collector to a debtor is not covered by the FDCPA unless it is made in connection with the collection of any debt, and here, plaintiff's mortgage was in default, and the text of the letters indicate they were sent to induce her to settle her mortgage-loan debt in order to avoid foreclosure. Therefore, the complaint sufficiently alleges communications that were sent in connection with an attempt to collect a debt, and in violation of the FDCPA.

Gburek v. Litton Loan Servicing