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Consumer Law Keyed to Whaley, 9th Ed.
Gulfco of Louisiana v. Brantley
Citation:
430 S.W.3d 7 (2013)Facts
The Brantleys, residing in Waldo, Arkansas, obtained four loans from Gulfco’s Louisiana location between May 2009 and March 2011. The first loan in May 2009 was for $1,580.36 at 40.20% interest, with the Brantleys receiving only $1,031.63 after fees. When they struggled with $92 monthly payments due to part-time employment and illness, Gulfco’s agent suggested a second loan of $20,887.71 at 24.09% interest in December 2009, secured by a mortgage on their home. This loan required $551 monthly payments. Despite continued payment difficulties, Gulfco extended a third loan in June 2010 for $2,779.82 at 35.67% interest, adding $155 to their monthly obligations. A fourth loan of $3,345.34 at 34.32% interest followed in March 2011. Throughout this period, Gulfco had knowledge of the Brantleys’ unstable employment, Pamela’s illness, and their inability to meet payment obligations. The Brantleys made no payments after March 31, 2011, and Gulfco filed for foreclosure on July 1, 2011.
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