PHILADELPHIA - A panel of the Third Circuit U.S. Court of Appeals on Oct. 7 partially affirmed and partially reversed a district court's decision regarding a debtor couple's claims for violations under the Fair Debt Collection Practices Act (FDCPA), ruling that a credit card agency failed to serve subpoenas directly on the couple (Robert Maxwell Simon, et al. v. FIA Card Services NA, No. 12-3293, Chapter 7, 3rd Cir.; 2013 U.S. App. LEXIS 20403).