CrossCheck, Inc., provides check authorization services to retail merchants. When a customer presents a check, the merchant contacts CrossCheck, which estimates the probability that the check will clear the bank. If the check is within an acceptable statistical range, CrossCheck notifies the merchant. If the check is dishonored, the merchant sends it to CrossCheck, which pays it. CrossCheck then attempts to redeposit the check. If this fails, CrossCheck takes further steps to collect the amount. William Winterstein took his truck to C&P Auto Service Center, Inc., for a tune-up and paid for the service with a check. C&P contacted CrossCheck and, on its recommendation, accepted the check. When the check was dishonored, C&P mailed it to CrossCheck, which reimbursed C&P and sent a letter to Winterstein, requesting payment. Winterstein filed a suit in a federal district court against CrossCheck, asserting that the letter violated the FDCPA. CrossCheck filed a motion for summary judgment. Who won? Explain. Winterstein v. CrossCheck, Inc., 149 F. Supp. 2d 466 (N.D. Ill. 2001).

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