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IN RE JARCZYK

Bankruptcy No. 98-13060B. Adversary No. 98-1240B.

253 B.R. 140 (2000)

In re Mark E. JARCZYK, Debtor. Bank of America, Plaintiff, v. Mark E. Jarczyk, Defendant.

United States Bankruptcy Court, W.D. New York.

September 20, 2000.

Attorney(s) appearing for the Case

Kenneth R. Hiller, Amherst, NY, for Defendant.

Robert S. Cooper, Rochester, NY, for Plaintiff.

CARL L. BUCKI, Bankruptcy Judge.

In 1997, issuers of credit cards mailed approximately three billion solicitations to American consumers1 and initiated a comparably incredible number of oral solicitations by telephone. The Bank of America directed one such call to Mark E. Jarczyk, who accepted an invitation to open a Visa credit card account in October of 1997. Promptly he began to use that card, and quickly accumulated an account balance...

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