Legal Opinion · Dissent

Verna Emery, on Behalf of Herself and All Others Similarly Situated v. American General Finance, Incorporated

Court of Appeals for the Seventh Circuit

Decided January 31, 1996No. 95-1037Published

1DissentCoffey, Circuit Judge

It is a truth at least as old as the Bible that “the borrower is servant to the lender.” Proverbs 22:7. Polonius recognized this when he advised Laertes:

Neither a borrower nor a lender be; For loan oft loses both itself and friend, And borrowing dulleth th’ edge of husbandry.

Hamlet, Act I, scene iii, line 75 (Riverside Shakespeare). For whatever reason, Verna Emery did not heed this wisdom and, in the words of the majority, she ended up “over*1349paying disastrously for credit.” Emery then brought a suit under civil RICO, claiming that American General Finance, Inc. (“AGF”) engaged in a pattern of…

2Cases cited19 opinions

Conley v. GibsonSupreme Court of the United States · 1957
Sedima, S. P. R. L. v. Imrex Co.Supreme Court of the United States · 1985
Reves v. Ernst & YoungSupreme Court of the United States · 1993
Vicom, Inc. v. Harbridge Merchant Services, Inc., as Successor in Interest to Peach Tree Bancard Corporation, Judy Elliot, James ElliotCourt of Appeals for the Seventh Circuit · 1994
National Organization for Women, Inc. v. ScheidlerSupreme Court of the United States · 1994

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