UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT _____________

No. 21-2438

_____________

BENJAMIN ZIRPOLI, individually and on behalf of all others similarly situated

v.

MIDLAND FUNDING, LLC; MIDLAND CREDIT MANAGEMENT, INC. MIDLAND FUNDING, LLC., Appellant

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On Appeal from United States District Court for the Middle District of Pennsylvania (D. C. No. 1-19-cv-01428) District Court Judge: Honorable Jennifer P. Wilson ______________

Argued June 22, 2022

Before: McKEE, RESTREPO, and BIBAS, Circuit Judges

(Filed: September 1, 2022)

Kevin J. Abramowicz Kevin W. Tucker East End Trial Group 6901 Lynn Way Suite 215 Pittsburgh, PA 15208 Karla Girbride [ARGUED] Public Justice 1620 L Street, N.W. Suite 630 Washington, DC 20036 John B. Keller Keller Keller Beck & Ross 1035 Wayne Avenue Chambersburg, PA 17201 Counsel for Appellee Laure