6
[J-14A&B-2016] [MO: Saylor, C.J.] IN THE SU!EME COU!T O" ENNS#$%ANIA ESTE!N 'IST!ICT MARY E. GLOVER, INDIVIDUALLY AND ON BEHALF OF OTHER SIMILARLY SITUATED FORMER AND CURRENT HOMEOWNERS IN PENNSYLVANIA,  Appellant v. UDREN LAW OFFICES, P.C., A NEW ERSEY DEBT COLLECTOR,  Appellee ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! N". # WAP $%&'  Appeal ()"* t+e O)e) "( t+e S-pe)") C"-)t ente)e Ap)l $#, $%&/ at N". 0#1 WDA $%&$, a(()*n2 t+e O)e) "( t+e C"-)t "( C"**"n Plea3 "( Alle2+en4 C"-nt4 ente)e -ne &#, $%&$ at N". GD &&5%&1%&'.  ARGUED! O6t"7e) 8, $%&' RESUBMITTED! an-a)4 $%, $%&9 EDELLA OHNSON :A;<;A EDELLA ROBINSON, A;<;A EDELLA ROBINSON OHNSON=, ERIC OHNSON, INDIVIDUALLY AND ON BEHALF OF OTHER SIMILARLY SITUATED FORMER  AND CURRENT HOMEOWNERS IN PENNSYLVANIA,  Appellant3 v. PHELAN HALLINAN > SCHMIEG, LLP,  Appellee ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! N". / WAP $%&'  Appeal ()"* t+e O)e) "( t+e S-pe)") C"-)t ente)e Ap)l $#, $%&/ at N". &&#& WDA $%&$, a(()*n2 t+e O)e) "( t+e C"-)t "( C"**"n Plea3 "(  Alle2+en4 C"-nt4 ente)e -l4 &8, $%&$ at N". GD &$5%%'#0'.  ARGUED! O6t"7e) 8, $%&' RESUBMITTED! an-a)4 $%, $%&9 'ISSENTIN( OINION JUSTICE BAE! 'ECI'E': JUNE 20, 2016  M4 6"llea2-e3 n t+e Ma?")t4 an n t+e S-pe)") C"-)t 33ent a7l4 a)t6-late a )at"nale (") p)"vn2 a )e*e4 a2an3t la@ ()*3 a6tn2 a3 p)"e3 (") )e3ental

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[J-14A&B-2016] [MO: Saylor, C.J.]

IN THE SU!EME COU!T O" ENNS#$%ANIAESTE!N 'IST!ICT

MARY E. GLOVER, INDIVIDUALLY ANDON BEHALF OF OTHER SIMILARLYSITUATED FORMER AND CURRENTHOMEOWNERS IN PENNSYLVANIA,

 Appellant

v.

UDREN LAW OFFICES, P.C., A NEW

ERSEY DEBT COLLECTOR,

 Appellee

!!!!!!!!!!!!

!!!

N". # WAP $%&'

 Appeal ()"* t+e O)e) "( t+e S-pe)")C"-)t ente)e Ap)l $#, $%&/ at N". 0#1WDA $%&$, a(()*n2 t+e O)e) "( t+eC"-)t "( C"**"n Plea3 "( Alle2+en4C"-nt4 ente)e -ne &#, $%&$ at N".GD &&5%&1%&'.

 ARGUED! O6t"7e) 8, $%&'RESUBMITTED! an-a)4 $%, $%&9

EDELLA OHNSON :A;<;A EDELLAROBINSON, A;<;A EDELLA ROBINSONOHNSON=, ERIC OHNSON,INDIVIDUALLY AND ON BEHALF OFOTHER SIMILARLY SITUATED FORMER

 AND CURRENT HOMEOWNERS INPENNSYLVANIA,

 Appellant3

v.

PHELAN HALLINAN > SCHMIEG, LLP,

 Appellee

!!!!!!!

!!!!!!!!!!

N". / WAP $%&'

 Appeal ()"* t+e O)e) "( t+e S-pe)")C"-)t ente)e Ap)l $#, $%&/ at N".&&#& WDA $%&$, a(()*n2 t+e O)e) "(t+e C"-)t "( C"**"n Plea3 "(

 Alle2+en4 C"-nt4 ente)e -l4 &8, $%&$

at N". GD &$5%%'#0'.

 ARGUED! O6t"7e) 8, $%&'RESUBMITTED! an-a)4 $%, $%&9

'ISSENTIN( OINION

JUSTICE BAE! 'ECI'E': JUNE 20, 2016 

M4 6"llea2-e3 n t+e Ma?")t4 an n t+e S-pe)") C"-)t 33ent a7l4 a)t6-late a

)at"nale (") p)"vn2 a )e*e4 a2an3t la@ ()*3 a6tn2 a3 p)"e3 (") )e3ental

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/%9 "( t+e L"an Inte)e3t an P)"te6t"n La@&  :A6t 9=, /& P.S. /%9, a3 *p"3n2

la7lt4 "nl4 -p"n a )e3ental *")t2a2e lene) an n"t t+e lene)3 (")e6l"3-)e

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)ea3"ne e63"n "( t+e t)al 6"-)t 7el"@.

T+3 6a3e nv"lve3 a )e3ental *")t2a2e ente)e nt" 74 Plant((5Appellant Ma)4

Gl"ve) :Gl"ve)= @t+ Wa3+n2t"n M-t-al Ban :WaM-=, @+6+ late) t)an3(e))e )2+t3

-ne) t+e *")t2a2e t" Well3 Fa)2" H"*e M")t2a2e an G"l*an Sa6+3 M")t2a2e

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7e+n n +e) *")t2a2e pa4*ent3 an t+e pa)te3 (ale t" ne2"tate a *"(6at"n

a2)ee*ent, M")t2a2e C"*pan4 )etane De(enant5Appellee, t+e U)en La@ O((6e3

:La@ F)*=, t" (le a *")t2a2e (")e6l"3-)e 6"*plant a2an3t Gl"ve), 3een2 pa4*ent "(

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6+a)2e a3 v"latve "( A6t 9. T+e 6a3e +a3 @"-n t3 @a4 7et@een 3tate an (ee)al

6"-)t3, )e3-ltn2 n n-*e)"-3 e63"n3.

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att")ne4 (") v"lat"n "( Se6t"n /%9. T+3 C"-)t +a3 )epeatel4 "73e)ve t+at "-) "7?e6t

n nte)p)etn2 3tat-te3 3 t" a36e)tan t+e ntent "( t+e Gene)al A33e*7l4, @+6+ 3 7e3tn6ate t+)"-2+ t+e lan2-a2e "( t+e 3tat-te t3el(. & Pa.C.S. &0$&. Inee, t+e plan

lan2-a2e 3 n"t t" 7e 3)e2a)e -ne) t+e p)etet "( p-)3-n2 t3 3p)t. I.

&  A6t "( an. #%, &08/ P.L. &#, N". 9 :a3 a*ene /& P.S. &%&59%'=.

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t+e ent)et4 "( A6t 93 p)"te6tve p)"v3"n3, @+6+ n6l-e Se6t"n /%93 )e3t)ant "n

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/%9 7e6a-3e "nl4 )e3ental *")t2a2e lene)3 a)e na*e n Se6t"n /%9. Gl"ve), 0$

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t" *p"3e la7lt4 va Se6t"n /%9 "n att")ne43, @+6+ a)e n3tea a)e33e n "t+e)

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t+e R-le3 "( Stat-t")4 C"n3t)-6t"n, & Pa.C.S. &0$$:&=.

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(ee3 74 t+e )e3ental *")t2a2e lene). In +e) 7)e( t" t+3 C"-)t, 3+e 3tate3 t+at t+e

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