No. 24-1786 ___________________________

Diana Delgado

Plaintiff - Appellant

v.

Midland Credit Management, Inc.

Defendant - Appellee ____________

Appeal from United States District Court for the District of Minnesota ____________

Submitted: December 18, 2024 Filed: March 21, 2025 ____________ Before SMITH, GRUENDER, and STRAS, Circuit Judges. ____________ STRAS, Circuit Judge.

We must decide whether a Minnesota state-court default judgment can bind the parties in a later federal lawsuit. Like the district court, 1 we conclude it can.

1 The Honorable Eric C. Tostrud, United States District Judge for the District of Minnesota. I.

Diana Delgado owed money on a