OPINION OF THE COURT
SMITH, Circuit Judge.
Marianne Joubert, a discharged debtor in bankruptcy, initiated this putative class action in the District Court seeking damages and injunctive relief to combat what she contends is a widespread practice by mortgagees of assessing, without notice to mortgagors, post-petition, pre-confirmation attorney fees. According to Joubert, this practice violates 11 U.S.C. § 506(b)'s command that the bankruptcy court first...
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