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IN RE SMITH

Nos. 00-36014, 00-36032.

289 F.3d 1155 (2002)

In re Geraldine Kay SMITH, Debtor. Gold Country Lenders, Appellant, v. Geraldine Kay Smith, Appellee. In re Geraldine Kay Smith, Debtor. Geraldine Kay Smith, Appellant, v. Gold Country Lenders, Appellee.

United States Court of Appeals, Ninth Circuit.

Filed May 16, 2002.

Attorney(s) appearing for the Case

Howard S. Lichtig, Port Orford, OR, for the appellant.

Geraldine Kay Smith, Pro Se, Ashland, OR, for the appellee.

Before B. FLETCHER, O'SCANNLAIN, and BERZON, Circuit Judges.

OPINION

PER CURIAM.

Debtor Geraldine Smith cross-appeals a decision by the Bankruptcy Appellate Panel ("BAP") denying her claim for actual damages as a result of Gold Country Lenders's violation of the Truth in Lending Act ("TILA"), 15 U.S.C. § 1601.

We have jurisdiction pursuant to 28 U.S.C. § 158(d), and review the decision of the BAP de novo. Cool Fuel, Inc. v. Bd. of Equalization (In re Cool Fuel, Inc.),

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