Ruby Mae Killings v. Jeff's Motors, Inc.

GODBOLD, Circuit Judge:

The appellant Ruby Mae Killings bought a used car from the appellee. She paid $300 down and signed an installment sales contract under which she agreed to pay $75.72 per month until the balance was repaid. The contract form contained a section for the vendor’s disclosures required by the Consumer Credit Protection Act, 15 U.S.C. § 1601 et seq. It was filled out as follows (irrelevant portions omitted):

1. CASH PRICE $2,105.28

3. UNPAID BALANCE OF CASH PRICE 1,805.28

5. UNPAID BALANCE — AMOUNT FINANCED 1,805.28

6. FINANCE CHARGE None

7. TOTAL OF PAYMENTS 1,805.28

8. DEFERRED…