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IN RE JACKSON

Bankruptcy No. 99-14248DAS. Adversary No. 99-0910.

245 B.R. 23 (2000)

In re Pauline M. JACKSON, Debtor. Pauline M. Jackson, Plaintiff, v. US Bank National Association Trustee, Cityscape Corporation, Wilshire Servicing Corporation, and Money-Line Mortgage, Defendants.

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

February 16, 2000.

Attorney(s) appearing for the Case

Irwin Trauss, Philadelphia Legal Assistance, Philadelphia, PA, for Debtor.

David Banks, Philadelphia, PA, for US Bank, N.A. & Wilshire.

Gary McCafferty, Philadelphia, PA, for First Bank, N.A.

Louis Kassen, Cherry Hill, NJ, for Money-Line Mortgage.

Robert Rosenberg, Latham & Watkins, New York City, for Cityscape Corp. in its bankruptcy case.

Edward Sparkman, Philadelphia, PA, Chapter 13 Trustee.

Frederic Baker, Ass't U.S. Trustee, Philadelphia, PA, United States Trustee.

OPINION

DAVID A. SCHOLL, Bankruptcy Judge.

A. INTRODUCTION

The instant proceeding ("the Proceeding") is the latest in the series of proceedings by debtors that have come before us alleging, primarily, violations of the Home Ownership Equity Protection Action ("HOEPA") amendments to the federal Truth in Lending Act, 15 U.S.C. §§ 1601, et seq. ("the TILA") in oppressive loan transactions. See In re Murray,

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