                    United States Court of Appeals
                            FOR THE EIGHTH CIRCUIT
                               ________________

                                  No. 01-1500
                               ________________

Daina Marie DuBois, formerly             *
known as Daina Marie Hewlett;            *
Dean Roger DuBois, on behalf of          *
themselves and all others similarly      *      Appeal from the United States
situated,                                *      District Court for the
                                         *      District of Minnesota.
            Appellants,                  *
                                         *
      v.                                 *
                                         *
Ford Motor Credit Company,               *
                                         *
            Appellee.                    *

                               ________________

                               Submitted: October 19, 2001
                                   Filed: January 16, 2002
                               ________________

Before BOWMAN, RICHARD S. ARNOLD, and HANSEN, Circuit Judges.
                      ________________

HANSEN, Circuit Judge.

     Daina and Dean DuBois appeal from the district court's1 dismissal of their
complaint against Ford Motor Credit Company (Ford Credit), wherein they asserted


      1
      The Honorable Paul A. Magnuson, United States District Judge for the District
of Minnesota.
that Ford Credit violated various provisions of the Bankruptcy Code and the Fair
Debt Collection Practices Act (FDCPA) following their Chapter 7 bankruptcy
discharge. We affirm the district court's dismissal.

                                          I.

       Because this appeal is from a dismissal for failure to state a claim pursuant to
Federal Rule of Civil Procedure 12(b)(6), we take the facts as stated in the complaint,
as well as any reasonable inferences that flow from them, as true. Abels v. Farmers
Commodities Corp., 259 F.3d 910, 914 (8th Cir. 2001). The DuBoises filed for
protection under Chapter 7 of the Bankruptcy Code in March 1996, at which time
they were current on a vehicle lease that they had previously entered with Ford
Credit. They listed the Ford vehicle as an asset on Schedule G of their bankruptcy
petition and indicated that they intended to keep the vehicle and continue making
payments. They made one payment after filing and before discharge. During the
pendency of the bankruptcy proceedings and after receiving the post filing payment,
Ford Credit sent a letter and preprinted form to the DuBoises' attorney, who returned
the form, indicating their intent to keep the vehicle pursuant to the lease terms.
Following their discharge on June 25, 1996, the DuBoises continued to make lease
payments until July 1997,2 at which time they approached a Ford dealership to lease
a new vehicle. (Appellants' App. at 46.) During the negotiations for the second lease,
Ford Credit informed the DuBoises that they owed approximately $2800 for excess
mileage and wear and tear fees under the first lease, and that Ford Credit would enter
the second lease with them only if they agreed to either pay those fees or roll them
into the second lease. The DuBoises agreed to roll the fees into the second lease.

      2
       The complaint alleges two different dates for commencement of the second
lease: July 11, 1997, and November 11, 1997. (Appellants' App. at 5, ¶ 11;
Appellants' App. at 6, ¶ 16.) It does not appear from the record that the DuBoises
were ever delinquent on the first lease. The correct date that the second lease was
commenced is immaterial to this appeal.
                                          2
       After making payments on the second lease for approximately two-and-a-half
years, the DuBoises brought this action against Ford Credit,3 alleging that Ford Credit
violated § 524 of the Bankruptcy Code by accepting payments under the first lease
following the discharge, by sending them payment reminders for payments following
the discharge, and by requiring them to roll the excess usage charges into the second
lease; alleging that the form letter that Ford Credit sent to their attorney was an
invalid reaffirmation agreement under § 524(c) and a violation of the automatic stay
provisions of § 362; and alleging that Ford Credit violated the FDCPA. The district
court granted Ford Credit's motion to dismiss, finding that none of the payments
violated the discharge injunction because they were all voluntary. See 11 U.S.C. §
524(f) (1994). The district court also dismissed the DuBoises' claim for damages
based on allegations that the payment reminders and the form letter sent by Ford
Credit violated § 524(a) and (c) of the Bankruptcy Code because nothing in the
Bankruptcy Code provides a debtor a private cause of action for a creditor's violation
of § 524. Additionally, the district court found that the form letter did not violate §
362's automatic stay because the letter was merely an attempt to allow the DuBoises
to reaffirm the debt. Finally, the district court dismissed the FDCPA claim as barred
by the statute of limitations.

                                           II.

       During oral argument, the DuBoises clarified that their appeal was limited to
the issue of whether Ford Credit's requirement that they roll the excess usage charges
from the first lease into the second lease violated § 524(a) and (c) of the Bankruptcy
Act or the FDCPA. The DuBoises' claims may be dismissed pursuant to a Rule
12(b)(6) motion "only if it is clear that no relief can be granted under any set of facts
that could be proven consistent with the allegations." Abels, 259 F.3d at 916 (internal


      3
        The action was brought as a class action, but the DuBoises never sought class
certification.
                                           3
quotations and citations omitted). However, the complaint must contain sufficient
facts, as opposed to mere conclusions, to satisfy the legal requirements of the claim
to avoid dismissal. See Briehl v. Gen. Motors Corp., 172 F.3d 623, 627 (8th Cir.
1999). We review the district court's grant of the motion to dismiss de novo. Id.

       A discharge in bankruptcy "operates as an injunction against the
commencement or continuation of an action, the employment of process, or an act,
to collect, recover or offset any such debt as a personal liability of the debtor, whether
or not discharge of such debt is waived." 11 U.S.C. § 524(a)(2). Thus, after a debtor
receives a discharge, a creditor cannot seek to recover a discharged debt from the
debtor. Further, any postpetition agreement, "the consideration for which, in whole
or in part, is based on a debt that is dischargeable," is enforceable only if the
agreement complies with the strict requirements of the Bankruptcy Code. § 524(c).
An agreement that complies with § 524(c), called a reaffirmation agreement, must
conspicuously inform the debtor of certain rights the debtor has and must be filed
with the bankruptcy court. Id. Notwithstanding the absence of a valid reaffirmation
agreement, "[n]othing contained in subsection (c) . . . of this section [524] prevents
a debtor from voluntarily repaying any debt." § 524(f).

        The DuBoises argue that Ford Credit violated the discharge injunction and
reaffirmation requirements when it required them to roll the excess usage charges
from the first lease into the second lease. The district court found from the facts
alleged in the complaint that the DuBoises voluntarily made the payments under the
first lease after they received their discharge, up until the time they entered the second
lease. The DuBoises do not appeal that finding. They also do not dispute that they
retained possession of the first leased vehicle throughout that time. The issue in this
appeal is whether the agreement to roll the excess usage fees incurred during their use
of the first leased vehicle into the second lease was also voluntary, as the district
court found.



                                            4
       Section 524(f) was added to the Bankruptcy Code in 1984 with little or no
discussion in the legislative history. In his treatise on bankruptcy, the only thing that
Collier had to say about the addition of § 524(f) was that § 524(f) "'states the obvious'
but [he] d[id] not go on to explain what the obvious [wa]s." Van Meter v. Am. State
Bank, 89 B.R. 32, 34 (W.D. Ark. 1988) (quoting 3 Collier on Bankruptcy ¶ 524.04,
at 524 (15th ed. 1988)). Other courts that have discussed the issue acknowledge that
"the voluntariness of [a] payment is destroyed where the payment is 'the result of
pressure or other inducement by sophisticated creditors.'" In re Arnold, 206 B.R. 560,
566 (Bankr. N.D. Ala. 1997) (quoting Hudson v. Central Bank (In re Hudson), 168
B.R. 368, 371 (Bankr. S.D. Ill. 1994)). Bankruptcy courts have "defined voluntary
as used in § 524(f) 'in an objective sense as referring to repayment that is free from
creditor influence or inducement, regardless of whether the debtor was motivated by
forces unrelated to the creditor.'" Id. (quoting In re Hudson, 168 B.R. at 370).

       We agree with the district court that the DuBoises voluntarily agreed to pay the
excess mileage and wear and tear fees when they entered into the second lease.
Importantly, the DuBoises initiated contact with Ford Credit to obtain the second
lease. In the DuBoises' resistance to Ford Credit's motion to dismiss, they stated that
they went to a Ford dealer to get a new car, selected the car they wanted, and initiated
negotiations for the second lease. (Appellants' App. at 46.) There is nothing in the
complaint to indicate that the DuBoises were coerced or otherwise induced by Ford
Credit to pay the excess usage charges and enter into the second lease.4 They do not
allege that Ford Credit threatened collection efforts to recover the excess usage fees
or otherwise attempted to collect the fees. The excess usage fees only became an


      4
        On appeal, the DuBoises allege that Ford Credit refused to accept return of the
first vehicle unless the DuBoises agreed to pay the charges or lease a second vehicle
and roll the charges into the second lease. We reject these factual allegations as
inconsistent with the DuBoises' complaint and filings with the district court. There
is no allegation that the DuBoises were prevented from leaving the first vehicle with
the Ford dealer, walking away, and doing business elsewhere.
                                           5
issue during the negotiations for the second vehicle, which negotiations the DuBoises
initiated. The DuBoises allege only that Ford Credit would not lease a second vehicle
to them unless the DuBoises paid the excess usage fees incurred from use of the first
leased vehicle. Ford Credit was under no obligation to enter into another financing
agreement with the DuBoises following their bankruptcy discharge. Cf. 11 U.S.C.
§ 525(a), (c) (limiting antidiscrimination provisions based on discharged status of
debtor to governmental entities or others dealing with guaranteed student loans).
Ford Credit's requirement that the DuBoises pay fees stemming from their
postdischarge use of the first vehicle before Ford Credit would agree to finance the
second vehicle, without more, simply was not coercive.

       Ford Credit undisputably could have repossessed the first vehicle if the
DuBoises ceased making voluntary payments. The DuBoises continued making
payments to keep the first vehicle. In fact, it was the DuBoises who first indicated
on their Schedule G that they intended to keep the vehicle and continue making the
lease payments. In the same vein, they voluntarily agreed to pay the excess charges
from use of the first vehicle as a condition of obtaining the second lease. We see no
factual distinction between the voluntariness of the postdischarge monthly payments
the DuBoises made to keep the first vehicle and the voluntariness of their agreement
to pay the excess usage fees they incurred related to the first lease as a condition of
receiving a new lease on a second vehicle. Both are payments for the use of the first
vehicle. The DuBoises do not allege that they had no other choice but to enter the
new lease or that they could not receive financing elsewhere for another vehicle. Cf.
In re Arnold, 206 B.R. at 567 (holding that credit union's requirement that debtor
include discharged debt in refinance of wife's nondischarged debt was induced by
creditor and therefore not voluntary under § 524(f) where debtor and his wife were
desperate and credit union had them "over a barrel"). To the extent that the DuBoises
believed that they were legally obligated to pay the excess usage fees from the first
lease, the complaint fails to allege that the belief derived from Ford Credit. See In re
Hudson, 168 B.R. at 373 (holding that payments made by debtors under mistaken

                                           6
belief that they were legally obligated to do so were voluntary, where belief was not
created by creditor; although creditor continued to accept payments, creditor had no
obligation to inform debtor that debt had been discharged). Although we must
construe the facts alleged in the complaint in the DuBoises' favor, we are not required
to read in missing facts necessary to perfect their claim. Based on the facts as alleged
in the complaint, we hold that the DuBoises failed to state a claim for a violation of
§ 524 of the Bankruptcy Code.5

      Finally, because the DuBoises voluntarily entered the second lease and
voluntarily agreed to pay the excess fees associated with the first vehicle, Ford Credit
did not violate the FDCPA. See 15 U.S.C. § 1692f(1) (1994). Thus, the district court
correctly dismissed the FDCPA claim.

                                          III.

      Accordingly, we affirm the district court's dismissal of the DuBoises' claims.

      A true copy.

             Attest:

                     CLERK, U.S. COURT OF APPEALS, EIGHTH CIRCUIT.

      5
       Because we hold that there was no § 524 violation, since the DuBoises
voluntarily agreed to pay the excess mileage and wear and tear charges, we decline
to enter the current debate about whether § 524 affords a debtor a private cause of
action. Compare Pertuso v. Ford Motor Credit Co., 233 F.3d 417, 422-23 (6th Cir.
2000) (holding no private cause of action under either § 524 or § 105 for violation of
§ 524), with Bessette v. Avco Fin. Servs., Inc., 230 F.3d 439, 444 (1st Cir. 2000)
(holding discharge injunction under § 524 is enforceable by way of § 105, without
addressing availability of implied right of action directly under § 524), cert. denied,
121 S. Ct. 2016 (2001).
                                           7
