UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT _____________

No. 18-1463 _____________

MAUREEN RICCIO, on behalf of herself and all others similarly situated, Appellant

v.

SENTRY CREDIT, INC.; JOHN DOES 1-25

On Appeal from the United States District Court for the District of New Jersey District Court No. 3-17-cv-01773 District Judge: The Honorable Brian R. Martinotti

Argued February 19, 2020

Before: SMITH, Chief Judge, McKEE, AMBRO, CHAGARES, JORDAN, HARDIMAN, GREENAWAY, JR., SHWARTZ, KRAUSE, RESTREPO, BIBAS, PORTER, MATEY, and PHIPPS, Circuit Judges (Filed: March 30, 2020) Joseph K. Jones [ARGUED] Benjamin J. Wolf Jones Wolf & Kapasi 375 Passaic Avenue Suite 100 Fairfield, NJ 07004 Counsel for Appellant Jacob C. Cohn [ARGUED] Gordon Reese Scully Mansukhani Three Logan Square 1717 Arch Street, Suite 610 Philadelphia, PA 19103 Peter G. Siachos Gordon Reese Scully Mansukhani 18 Columbia