FLAUM, Circuit Judge.
Michael Aubert obtained a "More Card" credit card from American General Financial Center ("AGFC"), a Utah depository institution. Aubert allowed his account to become delinquent; his December 1995 statement reflected a balance of $667.51 and indicated that his charging privileges had been terminated. Aubert's January statement informed him that: "Your account is rapidly approaching charge-off. The account will be referred to an attorney or a...
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