Ford Motor Credit Co. v. Spann

Banke, Judge.

This is a suit by the appellant to collect the balance due under a "Georgia Automobile Retail Installment Contract” which is allegedly in default. The appellee debtor admits missing some monthly installment payments but denies being in default. She contends that the finance charge imposed by the contract is uncollectable because it is in excess of that allowed under the Georgia Motor Vehicle Sales Finance Act (Code Ann. § 96-1001 et seq.) and thus concludes that at the time the debt was accelerated she had already paid more than she was legally obligated to pay. In addition, she…