1:09-cv-748 (GLS\RFT). March 26, 2010 FOR THE PLAINTIFF:, ANTHONY J. PIETRAFESA, ESQ., Office of Anthony J. Pietrafesa, Schenectady, NY. FOR THE DEFENDANT: JOHN T. REFERMAT, ESQ., Lacy, Katzen Law Firm, Rochester, NY. MEMORANDUM-DECISION AND ORDER GARY SHARPE, Magistrate Judge I. Introduction Plaintiff Linda Hasbrouck brings this action under the Fair Debt Collection Practices Act (FDCPA) alleging that defendant Arrow Financial Services LLC engaged in unfair and deceptive debt collection practices