Opinion ID: 2382878
Heading Depth: 1
Heading Rank: 2

Heading: The Jacksons

Text: Appellants, Joan C. Jackson and John W. Jackson, Jr. (the Jacksons), purchased a new 1989 Chevrolet from Ourisman Chevrolet Company (Ourisman) in Prince George's County. The Jacksons signed the same form contract as Biggus had signed. Ourisman likewise assigned the Jacksons' contract to Ford Credit. In August 1990, Ford Credit sent the Jacksons a Notice of Default and Intent to Repossess after the Jacksons missed their scheduled payments in June, July, and August. The car was repossessed in Prince George's County. Ford Credit sent the Jacksons a notice of their right to redeem, which stated that the car was being stored at the Baltimore-Washington Auto Exchange in Howard County. The car was sold at public auction in October for $2,800. In November 1990, Ford Credit sent the Jacksons a notice of a deficiency in the amount of $10,292.73. Ford Credit sued to collect the deficiency in the Circuit Court for Prince George's County. The parties filed cross-motions for summary judgment. The Jacksons' motion contended that the contract was governed by RISA which Ford Credit had violated. The circuit court held that CLEC applied to the transaction and granted Ford Credit's motion for summary judgment. The Jacksons appealed to the Court of Special Appeals. We granted the Jacksons' petition for a writ of certiorari before hearing in that court.