1. PHH seeks review of a decision of a divided panel of the Fourth Circuit that creates a direct conflict among the courts of appeals on an important question of federal law: whether the Bankruptcy Code preempts state-law causes of action based on a creditor's efforts to collect debt that has been discharged in bankruptcy.

Whether the Bankruptcy Code preempts state-law causes of action based on a creditor's efforts to collect debt that has been discharged in bankruptcy