Virginia Circle v. Chase Bank USA, N.A., U.S. Court of Appeals for the Eighth Circuit, on Appeal from The United States District Court, Western District of Missouri.

NACA and NCLC have filed this brief out of concern that two recent Missouri appellate cases directly conflict with this Court’s decision of October 6, 2009. The two Missouri cases are Woods v. QC Financial Services, Inc., 280 S.W.3d 90 (Mo. App. 2008) and Huch v. Charter Conmmunications, Inc., 290 S. W.2d 721 (Mo. banc 2009).