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CARMICHAEL v. THE PAYMENT CENTER, INC.

No. 02-3958.

336 F.3d 636 (2003)

Harry CARMICHAEL and Louise Carmichael, Plaintiffs-Appellants, v. THE PAYMENT CENTER, INC., Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided July 17, 2003.

Attorney(s) appearing for the Case

O. Randolph Bragg (argued), Horwitz Horwitz & Associates, Chicago, IL, for Plaintiffs-Appellants.

Steven Shamash, John A. Leja (argued), Riverside, IL, for Defendant-Appellee.

Before EASTERBROOK, MANION, and KANNE, Circuit Judges.

MANION, Circuit Judge.

Harry and Louise Carmichael sued The Payment Center, Incorporated (PCI), alleging that PCI violated the Truth in Lending Act (TILA or the Act), 15 U.S.C. § 1601, et seq., by failing to make adequate disclosures regarding their loan, and by failing to allow them the extended recision period of three years required when a creditor fails to make a material disclosure. The district court granted summary judgment, holding that PCI's disclosures...

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