KARWACKI, Judge.
The respondents in these three cases, which were consolidated for argument in this Court, each purchased a motor vehicle under an installment sales agreement subject to Maryland's Retail Installment Sales Act (RISA), Maryland Code (1975, 1983 Repl.Vol.), §§ 12-601 to 12-636 of the Commercial Law Article. The petitioner, First Virginia Bank, is the assignee of the seller in each case. The respondents each defaulted on their promises to make...
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