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EL v. AMERICREDIT FINANCIAL SERVICES, INC.

No. 12-3310.

710 F.3d 748 (2013)

Baba-Dainja EL, Plaintiff-Appellant, v. AMERICREDIT FINANCIAL SERVICES, INC., et al., Defendants-Appellees.

United States Court of Appeals, Seventh Circuit.

Decided March 20, 2013.

Attorney(s) appearing for the Case

Baba-Dainja El (submitted), Chicago, IL, pro se.

David Joseph Frankel , Sorman & Frankel, Ltd., Chicago, IL, for Defendants-Appellees.

Before POSNER, WOOD, and TINDER, Circuit Judges.

POSNER, Circuit Judge.

The plaintiff bought a used pickup truck in 2011 for $28,000 and financed the purchase by means of a six-year installment contract that specified an interest rate of 23.9 percent. The dealer who sold him the truck assigned the contract to AmeriCredit. But after making the first installment the plaintiff sent his new creditor a copy of the installment contract that he had stamped "accepted for value and returned for value for settlement and closure...

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