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This document is a precedential opinion from the United States Court of Appeals for the Third Circuit in the case of Terry L. Klotz against Celentano Stadtmauer and Walentowicz LLP. The case deals with the appeal concerning Klotz\'s liability for her deceased husband\'s medical debt under the Equal Credit Opportunity Act (ECOA) and the Fair Debt Collection Practices Act (FDCPA). The Court affirmed the District Court\'s judgment, finding that the ECOA does not preempt New Jersey\'s common-law...
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