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IN RE WILLIAMS

Bankruptcy No. 98-35743DAS, Adversary No. 98-0834.

232 B.R. 629 (1999)

In re Andrew E. WILLIAMS, Debtor. Andrew E. Williams, Plaintiff, v. Gelt Financial Corporation, Defendant.

United States Bankruptcy Court, E.D. Pennsylvania, Philadelphia Division.

April 9, 1999.

Attorney(s) appearing for the Case

Elizabeth Goodell, Community Legal Services, Inc., Philadelphia, PA, General Counsel for Debtor.

James D. Morris, Langsam, Stevens & Morris LLP, Philadelphia, PA, for Debtor in this Proceeding.

Howard Gershman, Blue Bell, PA, for Defendant.

Edward Sparkman, Philadelphia, PA, Standing Chapter 13 Trustee.

Frederic Baker, Philadelphia, PA, Assistant U.S. Trustee.

OPINION

DAVID A. SCHOLL, Chief Judge.

A. INTRODUCTION

Presently before us is the disposition of an adversary proceeding ("the Proceeding") instituted by ANDREW E. WILLIAMS ("the Debtor") against GELT FINANCIAL CORPORATION ("the Defendant") to recover statutory damages for alleged disclosure violations of the federal Truth in Lending Act, 15 U.S.C. §§ 1601 et seq., ("the TILA"), in two separate consumer loan transactions...

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