In this task, you will be shown a prompt from a judicial decision and multiple holding statements derived from citations following text in a legal decision. Holdings represent the governing legal rule when the law is applied to a particular set of facts. There are five answer choices for each citing text. The correct answer is the holding statement that corresponds to the citing text. The four incorrect answers are other holding statements. You should find the correct option. There is a <HOLDING> token in the position of the citing text prompt where the holding statement was extracted.

sophisticated consumer" might well reach the same conclusion. In sum, particularly at this early stage, defendants cannot establish as a matter of law that Santander is a creditor exempt from the FDCPA. Thus, the motion to dismiss should be denied. TCPA Claims Defendants move to dismiss plaintiffs' claims under the TCPA based on an exception contained in 47 C.F.R. 64.1200(a)(2), which excepts calls to a residential line when made pursuant to an "established business relationship." It is difficult to imagine how that exemption would apply to Letricia Hamlett, who was not a signatory to the loan, but in fairness there is at least one case that supports this odd interpretation of the law. See Santino v. NCO Fin. Sys., Inc., No. 09-CV-982, 2011 WL 754874, at *6 (W.D.N.Y. Feb. 24, 2011) (<HOLDING>); but see Watson v. NCO Group, Inc., 462
Holding statements: (A) holding 2254 applies to administrative proceedings (B) holding that the fourteenth amendment only applies to state action (C) holding exemption applies to nondebtor (D) holding that fourteenth amendment only applies to state action (E) holding that 1447c applies to counsel
(C)

to dedicate all of their disposable income to their plan. The Trustee's supplemental objection raised, for the first time, whether Section 1325(a)(5) bars a debtor from confirming a plan that strips off a wholly unsecured lien where the debtor has received a discharge in a prior bankruptcy case within the proscribed period set forth in Section 1328(f). Although TD Bank had previously argued that the Debtors' ability to strip off its lien was contingent upon the entry of a discharge order, TD Bank did not rely on Section 1325(a)(5). IV. Discussion A. Jurisdiction and Venue The Court has jurisdiction over this matter pursuant to 28 U.S.C. 1334 and discharge in a bankruptcy case filed within four years of filing an earlier Chapter 7 petition 253 F.3d 778, 781-83 (4th Cir.2001) (<HOLDING>). However, there is no prohibition against lien
Holding statements: (A) holding that a wholly unsecured junior mortgage lien can be avoided under nobelman (B) holding that a socalled chapter 20 debtor may strip off a wholly unsecured junior lien (C) holding that an allowed wholly unsecured consensual junior lien may not be stripped off in a chapter 7 case (D) holding that a wholly unsecured junior mortgage on chapter 13 debtors residence could not be stripped down into an unsecured claim by debtors plan (E) holding that a debtors right to strip off a wholly unsecured lien is conditioned on the debtors obtaining confirmation of and performing under a chapter 13 plan that meets all of the statutory requirements rather than on a debtors discharge
(C)

Esparaza, in both her individual and official capacities, is entitled to summary judgment on Count Three because Plaintiff has failed to produce any evidence that she took any adverse action against him. The remaining Defendants argue that they are entitled to summary judgment on Count Three because the Arbitrator's 1998 decision included factual findings which eliminated all support for Plaintiffs claim pursuant to the Michigan Constitution. For the reasons discussed below, the Court does not agree. The Court has serious doubts that the arbitration proceeding, or the Arbitrator's findings, are capable of precluding a claim brought pursuant to the Michigan Constitution on a retaliation theory. See Arslanian v. Oakwood United Hospitals et al., 2000 WL 461585 (Mich.App. April 21, 2000) (<HOLDING>). Furthermore, even if the Arbitrator's
Holding statements: (A) holding that antidiscrimination rights under title vii cannot be waived by a collective bargaining agreement (B) holding that res judicata and collateral estoppel apply to arbitration award (C) holding that the claim accrued after the employer denied a request for arbitration as untimely under the collective bargaining agreement (D) holding that arbitration pursuant to collective bargaining agreement is not res judicata and cannot collaterally estop a civil rights claim (E) holding that collective bargaining agreements cannot compel the arbitration of statutory rights
(D)