MEMORANDUM DECISION
JOHN J. HARGROVE, Bankruptcy Judge.
On April 10, 1998, debtor Dianne Mannion Wepsic ("Wepsic") filed this adversary complaint against Jackie Josephson ("Josephson") to determine the allowance of Josephson's claim and the validity and extent of Josephson's secured status. Wepsic alleged that Josephson violated the Truth in Lending Act ("TILA") and California law
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