MEMORANDUM OPINION
CACHERIS, District Judge.
This matter is before the Court on appeal from the United States Bankruptcy Court of the Eastern District of Virginia.
I. Background
Appellee Marlene Moffett ("Moffett") purchased a 1998 Honda Accord from Hendrick Honda on January 22, 2001. As part of the purchase agreement, Moffett signed a Retail Installment Contract, under which she agreed to pay $20,024.45, with interest at 19.95%...
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