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IN RE GROAT

No. 06-6071NE.

369 B.R. 413 (2007)

In re Craig Edward GROAT, Debtor. Craig Edward Groat, Debtor-Appellant, v. Donald R. Carlson, Creditor-Appellee.

United States Bankruptcy Appellate Panel for the Eighth Circuit.

Filed: May 24, 2007.

FEDERMAN, Bankruptcy Judge.

Debtor Craig Edward Groat appeals from the Bankruptcy Court's1 Judgment finding against him, and in favor of creditor Donald R. Carlson, in Groat's adversary action based on Carlson's alleged violations of the Truth in Lending Act ("TILA"). For the reasons that follow, we affirm.

FACTUAL BACKGROUND

On September 5, 2002, Groat borrowed $22,500 from First Security Mortgage Company. At that time...

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