OPINION
DAVID A. SCHOLL, Bankruptcy Judge.
The instant matter is before us on the Debtor's Objection to the Proof of Claim of Germantown Savings Bank (hereinafter referred to as "GSB"), in which she seeks to reduce the sum sought by GSB for mortgage arrearages on the grounds that (1) GSB sought excessive attorney's fees and (2) recoupment arising from alleged violations of the federal Truth-in-Lending Act, 15 U.S.C. § 1601, et seq. (hereinafter referred...
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