The Fifth Circuit affirmed the district court’s dismissal with prejudice of Tonyell Toliver’s Fair Debt Collection Practices Act (FDCPA) and fraud claims against A Professional Law Corporation. The court held that both claims were time-barred by applicable statutes of limitations, providing an independent ground for affirmation under *Kovac v. Wray*. Specifically, the FDCPA claim prescribed one year after APLC served Toliver with a state court petition on May 22, 2024, rendering her July 10, 2025 filing untimely under *Rotkiske v. Klemm*. Similarly, the Louisiana state law fraud claim was subject to a one-year prescription period under Civil Code article 3492, which began on May 22, 2024, and expired before Toliver filed suit. Consequently, the court ruled that the district court did not abuse its discretion in denying Toliver’s motion to amend her complaint, as any amendment would have been futile given the claims were already barred.