## Q42 key (Collector's Ledger)

1. Ledger Crown has not proved ownership because the generic bill of sale does not identify Ellis's account. Seek dismissal or judgment on the debt claim independent of the counterclaim. Missed: Ellis concedes a debt to a plaintiff that has not established title.
2. The defective initial notice produces $1,000 under rule 2. Missed: a fixed violation is omitted.
3. Five collection acts occurred after dispute and before verification, but rule 3 caps damages at $3,000. Missed: either $3,750 is overclaimed or the prohibited lawsuit and contacts are undervalued.
4. Three communications state the unauthorized amount, producing 3 x $1,500 = $4,500, the cap. Missed: the false $480 is multiplied or ignored incorrectly.
5. Three post-cease calls produce 3 x $500 = $1,500. Missed: calls are counted as letters or the separate cease right disappears.
6. Two third-party disclosures produce 2 x $2,000 = $4,000. Missed: employer and family privacy harms are not priced.
7. Actual lost wages are $1,200. Total counterclaim before fees is $1,000 + $3,000 + $4,500 + $1,500 + $4,000 + $1,200 = $15,200. Missed: settlement leverage is materially wrong.
8. Demand dismissal of the unproved complaint and affirmative payment of $15,200 plus fees. Any proven debt may be set off, but setoff cannot cure ownership or the unauthorized amount. Missed: Ellis pays first and gives away the stronger affirmative case.