FINDINGS OF FACT OPINION AND CONCLUSIONS OF LAW
JAMES H. WILLIAMS, Bankruptcy Judge.
The trustee in bankruptcy initiated this action under Ohio's Retail Installment Sales Act, Section 1317.01 et seq. of the Ohio Revised Code, seeking relief under Revised Code Section 1317.08 for an alleged "negative equity" violation as that term has been defined in the case of In re Sloan,
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