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JOHNSON v. CREDIT ACCEPTANCE CORP.

No. CIV.99-402(MJD/JGL).

165 F.Supp.2d 923 (2001)

Karen JOHNSON, Plaintiff, v. CREDIT ACCEPTANCE CORPORATION, Minnesota Repossessors, Inc., d/b/a Repossessors Inc., Chase Towing & Transport, Inc. and the City of Eagan, Minnesota, Defendants.

United States District Court, D. Minnesota.

March 20, 2001.

Attorney(s) appearing for the Case

Peter F. Barry, The Barry Law Office, Ltd., Anoka, MN, Thomas J. Lyons, Jr., Consumer Justice Center, St. Paul, MN, for Plaintiff.

Vernle C. Durocher, Jr. and Thomas L. Nuss, Dorsey & Whitney LLP, Minneapolis, MN, for Defendant Credit Acceptance Corporation.

Karen Melling van Vliet and Michael P. North, Johnson & van Vliet, St. Paul, MN, for Defendant Minnesota Repossessors, Inc.

Patrick H. Elliott, Elliott Law Offices, P.A., Edina, MN, for Defendant Chase Towing & Transport, Inc.

John E. Hennen, League of Minnesota Cities, St. Paul, MN, for Defendant City of Eagan.

MEMORANDUM OPINION AND ORDER

DAVIS, District Judge.

BACKGROUND

In April 1995, Plaintiff Karen Johnson entered into a Retail Installment and Security Agreement ("contract") with Wilkins Used Car Center ("Wilkins") for the purpose of purchasing a 1988 Pontiac Bonneville. Nuss Aff., A. After the purchase, Wilkins assigned the contract to Defendant Credit Acceptance Corporation ("CAC"). Id. In October 1995, Plaintiff filed for Chapter 13 bankruptcy...

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