MEMORANDUM OF OPINION
A.D. KAHN, Bankruptcy Judge.
The subject of this opinion is cross-motions for summary judgment filed by Plaintiff-Debtor Patricia G. Smith and Defendant-Creditor American Finance System of Georgia, Inc. ("American") regarding Plaintiff's Complaint, which alleges violations of the Truth in Lending Act ("TILA"), 15 U.S.C. §§ 1601 et seq., and the "Secondary Security Deed Act," (the "Act"), Ga.Code Ann. §&...
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