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BIGGUS v. FORD MOTOR CREDIT CO.

No. 123, September Term, 1991, No. 4, September Term, 1992.

328 Md. 188 (1992)

613 A.2d 986

CHARLES T. BIGGUS v. FORD MOTOR CREDIT COMPANY. JOAN C. JACKSON ET AL. v. FORD MOTOR CREDIT COMPANY.

Court of Appeals of Maryland.

October 16, 1992.

Attorney(s) appearing for the Case

Anne K. Pecora (Civil Litigation Clinic, Richard F. Pecora, Baltimore), on brief, for petitioner Charles T. Biggus.

Robert J. Thieblot (Anthony W. Ryan, Bruce R. Miller, Thieblot, Ryan, Martin & Ferguson, Baltimore), on brief, for respondent Ford Motor Credit Co.

John A. Buchanan (Eugene E. Pitrof, Pitrof and Starkey, on brief), Upper Marlboro, for petitioner Joan C. Jackson.

Cheryl L. Hystad, Jerome J. Blake, Legal Aid Bureau, Inc., amicus curiae for Steven Williams, Barbara Ingram, Tonya Ingram, Sadie Cosby and Marietta Lewis.

Robert J. Thieblot (J. Edward Martin, Donna M. Raffaele, Thieblot, Ryan, Martin & Ferguson, on brief), Baltimore, for respondent Ford Motor Credit Co.

Argued Before MURPHY, C.J., and ELDRIDGE, RODOWSKY, McAULIFFE, CHASANOW, KARWACKI and ROBERT M. BELL, JJ.

RODOWSKY, Judge.

Since 1941 Maryland law has included the Retail Installment Sales Act (RISA), currently Md.Code (1975, 1990 Repl. Vol.), §§ 12-601 through 12-636 of the Commercial Law Article (CL).1 RISA regulates, from contract formation to deficiency judgment, secured installment sales of certain consumer goods and of motor vehicles. By the Acts of 1983, ch. 143, the General Assembly enacted CL Title 12, Subtitle 10, "Credit...

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