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GIBSON v. LTD, INC.

Nos. 04-2110, 04-2131.

434 F.3d 275 (2006)

Timothy GIBSON, Plaintiff-Appellee, v. LTD, INCORPORATED, Defendant-Appellant. Timothy Gibson, Plaintiff-Appellant, v. LTD, Incorporated, Defendant-Appellee.

United States Court of Appeals, Fourth Circuit.

Decided January 11, 2006.

Attorney(s) appearing for the Case

ARGUED: Yama Anthony Shansab, WALTON & ADAMS, P.C., Reston, Virginia, for Appellant/Cross-Appellee LTD, Incorporated. Alexander Hugo Blankingship, III, Blankingship & Associates, P.C., Alexandria, Virginia, for Appellee/Cross-Appellant Timothy Gibson. ON BRIEF: Robert V.W. Adams, III, Walton & Adams, P.C., Reston, Virginia, for Appellant/Cross-Appellee LTD, Incorporated. Thomas B. Christiano, Blankingship & Associates, P.C., Alexandria, Virginia, for Appellee/Cross-Appellant Timothy Gibson.

Before NIEMEYER and LUTTIG, Circuit Judges, and Robert J. CONRAD, Jr., United States District Judge for the Western District of North Carolina, sitting by designation.

Affirmed in part, reversed in part, vacated in part, and remanded in part by published opinion. Judge Niemeyer wrote the opinion, in which Judge Luttig and Judge Conrad joined.

OPINION

NIEMEYER, Circuit Judge.

In order to obtain financing for the purchases of a 2002 Dodge truck and a 2003 Dodge truck from Lustine Toyota/Dodge, Inc., in Woodbridge, Virginia, Timothy Gibson executed a total of five retail installment sales contracts — two in...

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