Jones v. Brown's Auto Sales

EDWARD N. SCRUGGS, Retired Circuit Judge.

This is a truth in lending case brought by a consumer against her creditors.

The creditors were personally served with copies of the summons and complaint. Upon their failure to plead or to otherwise defend, a writ of inquiry was held before the trial court, which rendered a judgment in favor of the creditors, awarding no damages. The consumer appeals. The creditors have filed no brief in this court. We reverse and remand.

Among other matters, the federal Truth in Lending Act requires a creditor to disclose the annual percentage rate as well as the…