Cruz v. Household Finance Consumer Discount Co. (In Re Cruz)

Opinion

STEPHEN RASLAVICH, Bankruptcy Judge.

Introduction

The Plaintiff filed this adversary proceeding alleging violations of the Truth in Lending Act 1 , the Pennsylvania Usury Law 2 , and the Pennsylvania Uniform Trade Practices and Consumer Protection Law 3 arising out of a mortgage loan. Trial on the matter was held on September 22, 2004. The parties have submitted Findings of Fact and Conclusions of Law (FF/CL). For the reasons set forth below, judgment will be entered in Plaintiffs favor and against Defendant on all three counts. 4

Factual Background

The sole version of events offered came…