OPINION
WEBER, District Judge.
Plaintiffs purchased from Defendants a photo album plan under a "retail installment contract". Under the contract plaintiffs agreed to purchase the plan at a cost of $149.95. Plaintiffs paid a cash down payment of $51.90 which left an unpaid balance of $98.05. The contract indicated that additional charges of $9.00 for sales tax and $6.95 for "delivery and packing charges" would bring the total unpaid balance to the sum of...
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