On October 28th, the Eleventh Circuit reversed the dismissal of a home owner's Fair Debt Collection Practices Act complaint filed against the lender's foreclosing law firm. When foreclosure proceedings began, the law firm's client did not have the present right to the property. After initiating foreclosure the law firm filed an assignment for the home with a retroactive date preceding foreclosure. However, because plaintiff was not a party to the assignment, it had no retroactive effect against her. Therefore, the client lacked standing to foreclose and the plaintiff stated a claim for the law firm's violation of the Act. Minnifield v. Johnson & Freedman, LLC (Unpublished).