The ruling in Williams v. Walker-Thomas Furniture Co should be in favor of Williams.

I'm not saying Williams signed a contract and that should be the end of it. What I'm saying is that Williams signed that contract on her own will and was not under no duress or coercion during the time she signed it. She had the option of not signing the contract and not getting the stereo until she paid her other item in which she owed $164. You say the contract is one sided because Walker-Thomas Co. had the legal right to gain what was rightfully theirs because Williams defaulted in her payments. Rights that she knew through the contract. She has made purchases with him before. You state that this should be unacceptable but why should it be acceptable for her to buy an item she couldn't afford? Why should it be acceptable for her to purchase an item she didn't need? Why should it be acceptable for her to buy an item she couldn't afford? As Posner would say, Williams is a rational maximizers of her satisfaction (129.2.1). What Posner considers a rational maximizers would be someone who satisfies their every need/ desires in all of their choices, with the exception small children and profoundly retarded (129.2.1). Why isn't Williams questioned for actions, if she's rational and has conscious on what she is doing. Once again you claim that the Walker-Thomas Co. sets up the customer. Walker- Thomas Co. sets up a situation in which the customer is set up to default. How is that possible? How can he categorized or imagine who is going to default? There is no way in finding that out. He can set up contracts with people who can afford the items right away but rather set up a payment plan, how would that be setting them up if they have the financial sources? I don't see how the company itself is deceiving its customer to repossess items that are already used. Who is to know that Walker-Thomas Co. had contracts with people whom had the financial resources to pay their debt right away but instead selected a payment plan. How is it a system that makes them "trip" and default? I would agree with you if Walker-Thomas Co. had no contract and were only following a verbal agreement and later switched the agreement because it is not written and it would be the word of the company against the customer, but that is not the case. Williams like every other customer whom entered a contract, voluntarily, are given the contract with details on how it is going to work until the items are paid off and under their name. If the customers lost their money and items it should be their responsibility because they should be aware of their financial resources. People know what they can afford and what they can't. Why would you buy something that is not essential for you or your immediate family? So, in your perspective Walker-Thomas Co. should be held responsible for the customers irresponsibility of making their payments? You're right, credit cards are issued by banks. Banks that have far more sources than Walker-Thomas Co. does. Banks have sources that are able to tell the smallest yet most important detail of your life before handing you a credit card. However, Walker-Thomas Co. doesn't and therefore he can't be able to tell who will default in payments , what are their financial sources throughout the year or employment history. Do you expect for the company to interrogate every customer that comes in about their personal information? Some customers like sharing their personal information but others don't and may find it disrespectful or out of line. The court of Appeals may have agreed with you and ruled in favor of Williams. However, the circuit judge agreed with me and stated that his view was thus summed up by an able court which made no finding that there had actually been sharp practice and Williams seems to have known precisely where she stood (513.4). Court of Appeals had no precedent to compare and contrast with this case. There are have never been a case like this before and presumably the judge just has the same perspective as you and made a decision.