Escher v. DECISION ONE MORTGAGE COMPANY, LLC.

MEMORANDUM OPINION

SAVAGE, District Judge.

Introduction

This bankruptcy appeal arises out of James and Viola Escher’s (“the Esehers”) claims that the lender failed to include certain fees in the finance charge calculation in violation of the Truth in Lending Act (“TILA”) when they refinanced a mortgage loan. The Esehers are appealing from the grant of summary judgment in favor of the defendants and the denial of their request for leave to amend their complaint. Two issues pertain to the Bankruptcy Court’s rulings with respect to the TILA claims challenging the reasonableness of a yield spread…