MEMORANDUM OPINION AND ORDER
CARROLL, Chief United States Magistrate Judge.
I. INTRODUCTION AND PROCEDURAL HISTORY
This is a federal Truth in Lending Act ("TILA") case with pendent state law claims for wanton misrepresentation and concealment against defendants H.A.S. Inc., d/b/a/ Budget Car Sales ("Budget"), and Ron Smalls and Bob Letourneau, who were employees of Budget, in connection with the sale and financing of a used car.
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