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Bright v. Ball Memorial Hospital Association

616 F.2d 328 (1980)

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Bright v. Ball Memorial Hospital Association

United States Court of Appeals for the Seventh Circuit
616 F.2d 328 (1980)

AR

Facts

Bright (plaintiff) received treatment at Ball Memorial Hospital Association (defendant). When Bright did not pay her bill, Ball informed her that she was in default and attempted to get payment. Under Ball’s standard procedure, any unpaid account over 48 days old was in default. After several rounds of notices, Ball would send a delinquent account to a collection agency. Ball sent Bright several letters requesting payment and informing Bright of the default. Ball also charged interest on the overdue bill and a late-payment charge. Bright never paid her bill. Bright sued, arguing that the charged interest and late-payment charge made Ball a creditor, and Ball failed to give her the disclosures creditors were required to give under the Truth in Lending Act. The court found that Ball was not a creditor within the meaning of the act. Bright appealed.

Rule of Law

Issue

Holding and Reasoning (Will, J.)

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