December 9, 1952.
STUKES, Justice.
Respondent, a near illiterate, purchased a new automobile from a Columbia dealer on April 15, 1950, and, to secure the credit portion of the purchase price, executed a conditional sales contract (chattel mortgage) in the amount of $1,684.56, which included $424.56 "differential for time payment," part of which was two-year insurance premium of $174.00. The indebtedness was payable in twenty-four monthly installments of $70...
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