PHILIBOTTE v. NISOURCE CORPORATE SERVICES CO.

No. 15-1059.

793 F.3d 159 (2015)

Kim PHILIBOTTE, Plaintiff, Appellant, v. NISOURCE CORPORATE SERVICES COMPANY, d/b/a Nisource Services Inc., d/b/a Bay State Gas Company, d/b/a Northern Utilities, Inc., d/b/a Columbia Gas of Massachusetts; AGL Resources Inc., d/b/a Nicor Energy Services Company, d/b/a Columbia Home Solutions, Defendants, Appellees.

United States Court of Appeals, First Circuit.

July 16, 2015.


Attorney(s) appearing for the Case

Valeriano Diviacchi , with whom Diviacchi Law Office was on brief, for appellant.

J. Christopher Allen, Jr. , with whom Troy K. Lieberman and Nixon Peabody LLP were on brief, for appellee.

Before HOWARD, Chief Judge, SELYA and LYNCH, Circuit Judges.


This suit, about a water heater, concerns the appropriate standard for determining when consumer transactions styled as "leases" are in fact disguised "credit sales" or "retail installment sales." If so, they are subject to disclosure requirements under federal and Massachusetts' consumer protection laws. See Truth in...

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