Authorities Cited: United States Code 15 U.S.C. § 1640(c) 15 U.S.C. § 1692 15 U.S.C. § 1692(e) Supreme Court 475 U.S. 574, 586 477 U.S. 317, 322-323 514 U.S. 291 Circuit Courts 677 F.2d 775, 779 728 F.2d 1037, 1038 886 F.2d 22, 27 928 F.2d 751, 758 953 F.2d 1025 9 F.3d 18, 21 12 F.3d 445, 451 124 F.3d 824, 832 135 F.3d 389, 402 236 F.3d 446, 451 305 F.3d 1107, 1121-1123 307 F.3d 623, 641 377 F.3d 592, 596-597 448 F.3d 887, 893 Federal Rules of Civil Procedure Fed. R. Civ. P. 56(c) 74 F. Supp. 2d 761, 764-765 136 F. Supp. 2d 795, 800 443 F. Supp. 2d 942, 952 443 F. Supp. 2d 954, 960 464 F. Supp. 2d 720, 725 502 F. Supp. 2d 686, 695-696 534 F. Supp. 2d 772, 777