OPINION
DAVID A. SCHOLL, Bankruptcy Judge.
A. INTRODUCTION
This matter is the latest in the long series of proceedings in which debtors represented by Community Legal Services, Inc. ("CLS"), an agency providing free legal representation to low-income residents of Philadelphia, have asserted violations of the federal Truth-in-Lending Act, 15 U.S.C. § 1601, et seq. ("the TILA"), against Mid-Penn Consumer Discount Co. ("Mid-Penn")
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