SEC. Natl. Bank Trust Co. v. Reynolds, 2007 Ca 66 (8-15-2008)

OPINION

{¶ 1} This matter is before the Court on the notice of appeal of Security National Bank and Trust Co. ("SNB"), filed August 13, 2007. On July 10, 2006, SNB filed a complaint against Charles and Carol Reynolds ("Reynolds"), seeking to recover the deficiency on a promissory note originally secured by a vehicle. The Reynolds answered SNB's complaint on August 4, 2006, also asserting a counterclaim alleging that SNB violated the Fair Debt Collection Practices Act by suing them in an amount greater than what they could possibly owe on the unpaid loan. The pertinent facts are as follows:

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