PRECEDENTIAL

     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