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IN RE JAASKELAINEN

Bankruptcy No. 07-12832-WCH. Adversary No. 07-01242.

391 B.R. 627 (2008)

In re Ernest E. JAASKELAINEN and Kathleen M. Jaaskelainen, Debtors. Ernest E. Jaaskelainen and Kathleen M. Jaaskelainen, Plaintiffs, v. Wells Fargo Bank, N.A., in trust for the Certificateholders of Carrington Mortgage Loan Trust, Series 2006-OPT1 Asset Backed Pass-Through Certificates, and Option One Mortgage Corporation, Defendants.

United States Bankruptcy Court, D. Massachusetts, Eastern Division.

July 7, 2008.

Attorney(s) appearing for the Case

Kenneth D. Quat, Quat Law Offices, Concord, MA, for Plaintiffs.

Dudley Goar, Concord, MA, for Defendants.

MEMORANDUM OF DECISION

WILLIAM HILLMAN, Bankruptcy Judge.

I. INTRODUCTION

The matters before the Court are the Complaint filed by Ernest E. and Kathleen M. Jaaskelainen (collectively, the "Debtors") against Wells Fargo Bank, N.A. ("Wells Fargo") and Option One Mortgage Corporation ("Option One") (collectively, the "Defendants") alleging violations of the Massachusetts Consumer Credit Cost Disclosure Act1

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