Deborah Jackson and Victoria Davis v. American Loan Company, Inc.’s Empirical Analysis

Citation profile

2 federal appellate · 1 state decisions

Most-quoted passages

The sentences later courts lift from this opinion, ranked by how many decisions quote each — the parts of the opinion doing the work. These counts are smaller than the citation total above because most of the 7 citing decisions cite the case generally; a passage count includes only decisions quoting that exact language verbatim.

1. “short-term credit designed to be repaid on the borrower's next payday.”

   2 later decisions quote this exact passage · from the majority
   e.g. In Re: Murray F. Armstrong, Debtor. Harrah's Tunica Corporation, D/B/A Harrah's Casino Cruises-Tunica, Appellant/cross v. William S. Meeks, Trustee, Appellee/cross · Armstrong v. S

2. “changes in the terms of an existing obligation such as the deferral of individual installments, will not constitute a refinancing unless accomplished by the cancellation of that obligation and the substitution of a new obligation . . . American Loan does not `cancel' the old loan and note, or substitute a new one, when it agrees to defer repayment until another payday, and thus it does not `refinance' the loan”

   1 later decision quote this exact passage · from the majority
   e.g. 2001 Conn. Super. Ct. 1524 - Garofalo v. Boyer and I.R.S., No. Cv 98-0582789s (Jan. 24, 2001)

3. “The rule stated by the Commentary is that only “the cancellation of [the original] obligation and the substitution of a new obligation amount to a refinancing.””

   1 later decision quote this exact passage · from the majority
   e.g. Sheppard v. GMAC Mortgage Corp. (In Re Sheppard)