{"id":2881,"date":"2025-02-05T06:55:06","date_gmt":"2025-02-05T06:55:06","guid":{"rendered":"https:\/\/subtlesubstanceservices.com\/?page_id=2881"},"modified":"2025-02-13T09:52:59","modified_gmt":"2025-02-13T09:52:59","slug":"test-your-truth-in-lending-tila-knowledge-novice-level","status":"publish","type":"page","link":"https:\/\/subtlesubstanceservices.com\/?page_id=2881","title":{"rendered":"Test your Truth In Lending (TILA) knowledge! (Novice level)"},"content":{"rendered":"<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/subtlesubstanceservices.com\/wp-content\/uploads\/2025\/02\/bk2-1024x1024.jpg\" alt=\"\" class=\"wp-image-2936\" style=\"width:794px;height:auto\" srcset=\"https:\/\/subtlesubstanceservices.com\/wp-content\/uploads\/2025\/02\/bk2-1024x1024.jpg 1024w, https:\/\/subtlesubstanceservices.com\/wp-content\/uploads\/2025\/02\/bk2-200x200.jpg 200w, https:\/\/subtlesubstanceservices.com\/wp-content\/uploads\/2025\/02\/bk2-100x100.jpg 100w, https:\/\/subtlesubstanceservices.com\/wp-content\/uploads\/2025\/02\/bk2-500x500.jpg 500w, https:\/\/subtlesubstanceservices.com\/wp-content\/uploads\/2025\/02\/bk2-300x300.jpg 300w, https:\/\/subtlesubstanceservices.com\/wp-content\/uploads\/2025\/02\/bk2-150x150.jpg 150w, https:\/\/subtlesubstanceservices.com\/wp-content\/uploads\/2025\/02\/bk2-768x768.jpg 768w, https:\/\/subtlesubstanceservices.com\/wp-content\/uploads\/2025\/02\/bk2-1536x1536.jpg 1536w, https:\/\/subtlesubstanceservices.com\/wp-content\/uploads\/2025\/02\/bk2-2048x2048.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><p><br><strong>Context: <\/strong>Imagine you are Bob. Bob just bought a new vehicle from the good ol\u2019 dealer, he financed it, then the <br>dealer sold the financing documents to a financing company (a third party). 3 years down the line, Bob somehow <br>got his vehicle repossessed by the financing company, oh and the financing company are now suing Bob for the <br>amount left that is owed.<\/p><div class=\"wpforms-container wpforms-container-save-resume wpforms-block wpforms-block-e9b9c56b-1543-4c75-af1d-b2791593620d wpforms-render-modern\" id=\"wpforms-2859\"><form id=\"wpforms-form-2859\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"2859\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/index.php?rest_route=%2Fwp%2Fv2%2Fpages%2F2881\" data-token=\"fea40ae956fb6b8abec0380fc9df1e5f\" data-token-time=\"1778000529\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div id=\"wpforms-error-noscript\" style=\"display: none;\">Please enable JavaScript in your browser to complete this form.<\/div><div class=\"wpforms-page-indicator connector\" data-indicator=\"connector\" data-indicator-color=\"#6a39f0\" data-scroll=\"1\" role=\"progressbar\" aria-valuenow=\"1\" aria-valuemin=\"1\" aria-valuemax=\"2\" tabindex=\"-1\"><div class=\"wpforms-page-indicator-page active wpforms-page-indicator-page-1\" style=\"min-width:50%;\" data-page=\"1\"><span class=\"wpforms-page-indicator-page-number\" style=\"background-color:#6a39f0\" data-page=\"1\">1<span class=\"wpforms-page-indicator-page-triangle\" style=\"border-top-color:#6a39f0\"><\/span><\/span><\/div><div class=\"wpforms-page-indicator-page  wpforms-page-indicator-page-2\" style=\"min-width:50%;\" data-page=\"2\"><span class=\"wpforms-page-indicator-page-number\"  data-page=\"2\">2<span class=\"wpforms-page-indicator-page-triangle\" ><\/span><\/span><\/div><\/div><div class=\"wpforms-field-container\"><div class=\"wpforms-page wpforms-page-1 \" data-page=\"1\"><div id=\"wpforms-2859-field_13-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"13\"><\/div><div id=\"wpforms-2859-field_2-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-type=\"radio\" data-field-id=\"2\"><fieldset><legend class=\"wpforms-field-label\">1. In consideration that possession is 9\/10th of the law, and the fact that the financing company is a third party, do you even have any recourse? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_2\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_2_1\" name=\"wpforms[fields][2]\" value=\"Yes.\" aria-errormessage=\"wpforms-2859-field_2_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_2_1\">Yes.<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_2_2\" name=\"wpforms[fields][2]\" value=\"No.\" aria-errormessage=\"wpforms-2859-field_2_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_2_2\">No.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_3-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"3\"><fieldset><legend class=\"wpforms-field-label\">2. If you said \u2018Yes\u2019 to the above, or you are even wondering what the solution may be in said circumstance, what do you think the likely solution is in accordance with the Truth in Lending only? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_3\" class=\"wpforms-randomize wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_3_1\" name=\"wpforms[fields][3]\" value=\"Motion to Dismiss.\" aria-errormessage=\"wpforms-2859-field_3_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_3_1\">Motion to Dismiss.<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_3_2\" name=\"wpforms[fields][3]\" value=\"Setoff as a form of counterclaim.\" aria-errormessage=\"wpforms-2859-field_3_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_3_2\">Setoff as a form of counterclaim.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_3_3\" name=\"wpforms[fields][3]\" value=\"Federal Trade Commission complaint\" aria-errormessage=\"wpforms-2859-field_3_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_3_3\">Federal Trade Commission complaint<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_4-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"4\"><fieldset><legend class=\"wpforms-field-label\">3. What is Truth in Lending Act? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_4\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_4_1\" name=\"wpforms[fields][4]\" value=\"The legislature that allows any alleged creditors to tell you what they want in order for them to place a liability on you and make commissions while doing so.\" aria-errormessage=\"wpforms-2859-field_4_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_4_1\">The legislature that allows any alleged creditors to tell you what they want in order for them to place a liability on you and make commissions while doing so.<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_4_2\" name=\"wpforms[fields][4]\" value=\"The legislature that allows you to hold alleged creditors liable for dishonest practices in the process of doing anything relating to debit and credit and a collateral related to the debit and credit.\" aria-errormessage=\"wpforms-2859-field_4_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_4_2\">The legislature that allows you to hold alleged creditors liable for dishonest practices in the process of doing anything relating to debit and credit and a collateral related to the debit and credit.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_4_3\" name=\"wpforms[fields][4]\" value=\"The legislature that provides recourse if the alleged creditor has been dishonest about the worth of any given property.\" aria-errormessage=\"wpforms-2859-field_4_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_4_3\">The legislature that provides recourse if the alleged creditor has been dishonest about the worth of any given property.<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_4_4\" name=\"wpforms[fields][4]\" value=\"The legislature that provides that creditors are liable to their debtor even if the creditor is right.\" aria-errormessage=\"wpforms-2859-field_4_4-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_4_4\">The legislature that provides that creditors are liable to their debtor even if the creditor is right.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_5-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-type=\"radio\" data-field-id=\"5\"><fieldset><legend class=\"wpforms-field-label\">4. Does Truth in Lending encourage the selling and buying of debts? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_5\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_5_1\" name=\"wpforms[fields][5]\" value=\"Yes.\" aria-errormessage=\"wpforms-2859-field_5_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_5_1\">Yes.<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_5_2\" name=\"wpforms[fields][5]\" value=\"No.\" aria-errormessage=\"wpforms-2859-field_5_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_5_2\">No.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_6-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-type=\"radio\" data-field-id=\"6\"><fieldset><legend class=\"wpforms-field-label\">5. Is the third party responsible for the fraud created by the originator of the debt? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_6\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_6_1\" name=\"wpforms[fields][6]\" value=\"Yes.\" aria-errormessage=\"wpforms-2859-field_6_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_6_1\">Yes.<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_6_2\" name=\"wpforms[fields][6]\" value=\"No.\" aria-errormessage=\"wpforms-2859-field_6_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_6_2\">No.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_7-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-type=\"radio\" data-field-id=\"7\"><fieldset><legend class=\"wpforms-field-label\">6. Is the originator of the debt responsible for the acts of the third party? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_7\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_7_1\" name=\"wpforms[fields][7]\" value=\"Yes.\" aria-errormessage=\"wpforms-2859-field_7_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_7_1\">Yes.<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_7_2\" name=\"wpforms[fields][7]\" value=\"No.\" aria-errormessage=\"wpforms-2859-field_7_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_7_2\">No.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_8-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-type=\"radio\" data-field-id=\"8\"><fieldset><legend class=\"wpforms-field-label\">7. Was the every day man and woman originally the ones able to enforce the Truth in Lending Act? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_8\" class=\"wpforms-field-required\"><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_8_4\" name=\"wpforms[fields][8]\" value=\"Yes.\" aria-errormessage=\"wpforms-2859-field_8_4-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_8_4\">Yes.<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_8_5\" name=\"wpforms[fields][8]\" value=\"No.\" aria-errormessage=\"wpforms-2859-field_8_5-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_8_5\">No.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_9-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"9\"><fieldset><legend class=\"wpforms-field-label\">8. If your answer above happens to be \u2018No\u2019, which of the below would you say were once charged with the duty to enforce Truth in Lending Act? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_9\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_9_1\" name=\"wpforms[fields][9]\" value=\"Federal Trade Commission.\" aria-errormessage=\"wpforms-2859-field_9_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_9_1\">Federal Trade Commission.<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_9_2\" name=\"wpforms[fields][9]\" value=\"State Attorney General.\" aria-errormessage=\"wpforms-2859-field_9_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_9_2\">State Attorney General.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_9_3\" name=\"wpforms[fields][9]\" value=\"Federal Attorney General.\" aria-errormessage=\"wpforms-2859-field_9_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_9_3\">Federal Attorney General.<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_9_4\" name=\"wpforms[fields][9]\" value=\"Federal Communications Commission.\" aria-errormessage=\"wpforms-2859-field_9_4-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_9_4\">Federal Communications Commission.<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_9_5\" name=\"wpforms[fields][9]\" value=\"Consumer Financial protection Bureau.\" aria-errormessage=\"wpforms-2859-field_9_5-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_9_5\">Consumer Financial protection Bureau.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_34-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"34\"><fieldset><legend class=\"wpforms-field-label\">9. If your answer to number 7 was \u2018No\u2019, for what reason could Truth in Lending Act not have initially applied to the every day man and woman. <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_34\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_34_1\" name=\"wpforms[fields][34]\" value=\"Federal Statutes are strictly applicable to Federal entities unless it stipulates private right of action.\" aria-errormessage=\"wpforms-2859-field_34_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_34_1\">Federal Statutes are strictly applicable to Federal entities unless it stipulates private right of action.<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_34_2\" name=\"wpforms[fields][34]\" value=\"Federal Statutes are strictly applicable to Federal contractors unless it stipulates private right of action.\" aria-errormessage=\"wpforms-2859-field_34_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_34_2\">Federal Statutes are strictly applicable to Federal contractors unless it stipulates private right of action.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_34_3\" name=\"wpforms[fields][34]\" value=\"Federal Statutes are strictly applicable to certain departments of the United States unless it stipulates private right of action.\" aria-errormessage=\"wpforms-2859-field_34_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_34_3\">Federal Statutes are strictly applicable to certain departments of the United States unless it stipulates private right of action.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_36-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"36\"><fieldset><legend class=\"wpforms-field-label\">10. What is the difference between Novation and Assignment? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_36\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_36_1\" name=\"wpforms[fields][36]\" value=\"Novation removes you from the contract completely and adds another debtor in your place. Assignment adds another debtor into the contract.\" aria-errormessage=\"wpforms-2859-field_36_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_36_1\">Novation removes you from the contract completely and adds another debtor in your place. Assignment adds another debtor into the contract.<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_36_2\" name=\"wpforms[fields][36]\" value=\"Novation removes the original creditor completely and another party plays the role of the creditor. Assignment transfer the right of the creditor but the prior creditor may still be liable for prior acts in his earlier capacity as the alleged creditor.\" aria-errormessage=\"wpforms-2859-field_36_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_36_2\">Novation removes the original creditor completely and another party plays the role of the creditor. Assignment transfer the right of the creditor but the prior creditor may still be liable for prior acts in his earlier capacity as the alleged creditor.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_36_3\" name=\"wpforms[fields][36]\" value=\"Novation removes you from the contract completely and adds another debtor in your place. Assignment transfer the right of the creditor but the prior creditor may still be liable for prior acts in his earlier capacity as the alleged creditor.\" aria-errormessage=\"wpforms-2859-field_36_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_36_3\">Novation removes you from the contract completely and adds another debtor in your place. Assignment transfer the right of the creditor but the prior creditor may still be liable for prior acts in his earlier capacity as the alleged creditor.<\/label><\/li><li class=\"choice-6 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_36_6\" name=\"wpforms[fields][36]\" value=\"Novation removes the original creditor completely and another party plays the role of the creditor. Assignment adds another debtor into the contract.\" aria-errormessage=\"wpforms-2859-field_36_6-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_36_6\">Novation removes the original creditor completely and another party plays the role of the creditor. Assignment adds another debtor into the contract.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_38-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"38\"><fieldset><legend class=\"wpforms-field-label\">11. What is a \u2018set-off\u2019 according to the Truth in Lending Act? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_38\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_38_1\" name=\"wpforms[fields][38]\" value=\"The act of discharging the entire alleged debt.\" aria-errormessage=\"wpforms-2859-field_38_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_38_1\">The act of discharging the entire alleged debt.<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_38_2\" name=\"wpforms[fields][38]\" value=\"The right to split the difference between the statutory fee owed to you if Truth in Lending Act is violated, and the amount alleged to have been owed.\" aria-errormessage=\"wpforms-2859-field_38_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_38_2\">The right to split the difference between the statutory fee owed to you if Truth in Lending Act is violated, and the amount alleged to have been owed.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_38_3\" name=\"wpforms[fields][38]\" value=\"The right to talk smack according to Truth in Lending Act\" aria-errormessage=\"wpforms-2859-field_38_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_38_3\">The right to talk smack according to Truth in Lending Act<\/label><\/li><li class=\"choice-6 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_38_6\" name=\"wpforms[fields][38]\" value=\"The act of setting aside the claims of the third party and bringing in the original party you signed the contract with.\" aria-errormessage=\"wpforms-2859-field_38_6-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_38_6\">The act of setting aside the claims of the third party and bringing in the original party you signed the contract with.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_40-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"40\"><fieldset><legend class=\"wpforms-field-label\">12. What is the \u2018holder rule\u2019 <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_40\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_40_1\" name=\"wpforms[fields][40]\" value=\"A rule that gets rid of the immunity of third parties from originator\" aria-errormessage=\"wpforms-2859-field_40_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_40_1\">A rule that gets rid of the immunity of third parties from originator<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_40_2\" name=\"wpforms[fields][40]\" value=\"A rule that gets rid of the immunity of the originator from the third parties.\" aria-errormessage=\"wpforms-2859-field_40_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_40_2\">A rule that gets rid of the immunity of the originator from the third parties.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_40_3\" name=\"wpforms[fields][40]\" value=\"A rule that gets rid of the immunity of both the originator and the third parties from one another.\" aria-errormessage=\"wpforms-2859-field_40_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_40_3\">A rule that gets rid of the immunity of both the originator and the third parties from one another.<\/label><\/li><li class=\"choice-6 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_40_6\" name=\"wpforms[fields][40]\" value=\"A rule that gets rid of the immunity of acting judges in a Truth in Lending case.\" aria-errormessage=\"wpforms-2859-field_40_6-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_40_6\">A rule that gets rid of the immunity of acting judges in a Truth in Lending case.<\/label><\/li><li class=\"choice-7 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_40_7\" name=\"wpforms[fields][40]\" value=\"A rule that gets rid of the immunity of all parties involved in the Truth in Lending transaction so long as fraud is shown as evidence.\" aria-errormessage=\"wpforms-2859-field_40_7-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_40_7\">A rule that gets rid of the immunity of all parties involved in the Truth in Lending transaction so long as fraud is shown as evidence.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_86-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"86\"><fieldset><legend class=\"wpforms-field-label\">13. Why was the Holder Rule established? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_86\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_86_1\" name=\"wpforms[fields][86]\" value=\"To solve the abuse of the fact that the originator cannot be held liable for the act of the debt originator.\" aria-errormessage=\"wpforms-2859-field_86_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_86_1\">To solve the abuse of the fact that the originator cannot be held liable for the act of the debt originator.<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_86_2\" name=\"wpforms[fields][86]\" value=\"To solve the abuse of the fact that most of those alleged to be debtors are not aware of Truth in Lending Act.\" aria-errormessage=\"wpforms-2859-field_86_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_86_2\">To solve the abuse of the fact that most of those alleged to be debtors are not aware of Truth in Lending Act.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_86_3\" name=\"wpforms[fields][86]\" value=\"To solve the abuse of the fact that third parties cannot be held liable for the fraud of a debt originator.\" aria-errormessage=\"wpforms-2859-field_86_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_86_3\">To solve the abuse of the fact that third parties cannot be held liable for the fraud of a debt originator.<\/label><\/li><li class=\"choice-6 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_86_6\" name=\"wpforms[fields][86]\" value=\"Case laws gave rise to the rule.\" aria-errormessage=\"wpforms-2859-field_86_6-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_86_6\">Case laws gave rise to the rule.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_44-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"44\"><fieldset><legend class=\"wpforms-field-label\">14. What is the limitation placed on you the every day man and woman by the Holder Rule? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_44\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_44_2\" name=\"wpforms[fields][44]\" value=\"Your claim against the originator of the debt is limited to the amount you provided the debt originator plus interest.\" aria-errormessage=\"wpforms-2859-field_44_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_44_2\">Your claim against the originator of the debt is limited to the amount you provided the debt originator plus interest.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_44_3\" name=\"wpforms[fields][44]\" value=\"Your claim against the third party is limited to the amount you gave the third party minus the amount given to the debt originator.\" aria-errormessage=\"wpforms-2859-field_44_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_44_3\">Your claim against the third party is limited to the amount you gave the third party minus the amount given to the debt originator.<\/label><\/li><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_44_1\" name=\"wpforms[fields][44]\" value=\"Your claim against the originator of the debt is limited to your down payment and\/or the amount you provided the debt originator up till the time the debt is sold to a third party.\" aria-errormessage=\"wpforms-2859-field_44_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_44_1\">Your claim against the originator of the debt is limited to your down payment and\/or the amount you provided the debt originator up till the time the debt is sold to a third party.<\/label><\/li><li class=\"choice-6 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_44_6\" name=\"wpforms[fields][44]\" value=\"Your claim against the originator of the debt is not unlimited unless you fail to provide evidence that substantiate your loss.\" aria-errormessage=\"wpforms-2859-field_44_6-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_44_6\">Your claim against the originator of the debt is not unlimited unless you fail to provide evidence that substantiate your loss.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_48-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"48\"><fieldset><legend class=\"wpforms-field-label\">15. Which State does the holder rule not apply to? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_48\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_48_2\" name=\"wpforms[fields][48]\" value=\"Delaware.\" aria-errormessage=\"wpforms-2859-field_48_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_48_2\">Delaware.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_48_3\" name=\"wpforms[fields][48]\" value=\"South Dakota.\" aria-errormessage=\"wpforms-2859-field_48_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_48_3\">South Dakota.<\/label><\/li><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_48_1\" name=\"wpforms[fields][48]\" value=\"Wisconsin.\" aria-errormessage=\"wpforms-2859-field_48_1-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_48_1\">Wisconsin.<\/label><\/li><li class=\"choice-6 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_48_6\" name=\"wpforms[fields][48]\" value=\"New Jersey.\" aria-errormessage=\"wpforms-2859-field_48_6-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_48_6\">New Jersey.<\/label><\/li><li class=\"choice-8 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_48_8\" name=\"wpforms[fields][48]\" value=\"New York.\" aria-errormessage=\"wpforms-2859-field_48_8-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_48_8\">New York.<\/label><\/li><li class=\"choice-9 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_48_9\" name=\"wpforms[fields][48]\" value=\"New Hampshire.\" aria-errormessage=\"wpforms-2859-field_48_9-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_48_9\">New Hampshire.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_51-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-type=\"radio\" data-field-id=\"51\"><fieldset><legend class=\"wpforms-field-label\">16. Can attorneys fees be paid on an off set claim? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_51\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_51_2\" name=\"wpforms[fields][51]\" value=\"Yes.\" aria-errormessage=\"wpforms-2859-field_51_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_51_2\">Yes.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_51_3\" name=\"wpforms[fields][51]\" value=\"No.\" aria-errormessage=\"wpforms-2859-field_51_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_51_3\">No.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_52-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"52\"><fieldset><legend class=\"wpforms-field-label\">17. What is the congressional intent of Truth in Lending Act <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_52\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_52_2\" name=\"wpforms[fields][52]\" value=\"Liability for dishonest creditors, dealers, and protection for the consumers.\" aria-errormessage=\"wpforms-2859-field_52_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_52_2\">Liability for dishonest creditors, dealers, and protection for the consumers.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_52_3\" name=\"wpforms[fields][52]\" value=\"Safety, informed use of credit, security of rights in contract and the ability to hold creditors liable.\" aria-errormessage=\"wpforms-2859-field_52_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_52_3\">Safety, informed use of credit, security of rights in contract and the ability to hold creditors liable.<\/label><\/li><li class=\"choice-10 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_52_10\" name=\"wpforms[fields][52]\" value=\"Meaningful accurate disclosure, economic stabilization, avoidance of uninformed use of credit, and the ability for you to compare the cost of products.\" aria-errormessage=\"wpforms-2859-field_52_10-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_52_10\">Meaningful accurate disclosure, economic stabilization, avoidance of uninformed use of credit, and the ability for you to compare the cost of products.<\/label><\/li><li class=\"choice-11 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_52_11\" name=\"wpforms[fields][52]\" value=\"Informed decisions for the sake of your grandma, you and your offspring that congress cares.\" aria-errormessage=\"wpforms-2859-field_52_11-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_52_11\">Informed decisions for the sake of your grandma, you and your offspring that congress cares.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_54-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-type=\"radio\" data-field-id=\"54\"><fieldset><legend class=\"wpforms-field-label\">18. When a claim of \u2018setoff\u2019 and when a claim of \u2018off set\u2019, do they serve the same function? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_54\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_54_2\" name=\"wpforms[fields][54]\" value=\"Yes.\" aria-errormessage=\"wpforms-2859-field_54_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_54_2\">Yes.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_54_3\" name=\"wpforms[fields][54]\" value=\"No.\" aria-errormessage=\"wpforms-2859-field_54_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_54_3\">No.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_56-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-type=\"radio\" data-field-id=\"56\"><fieldset><legend class=\"wpforms-field-label\">19. Does Truth in Lending apply to commercial\/business credit debit matters? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_56\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_56_2\" name=\"wpforms[fields][56]\" value=\"Yes.\" aria-errormessage=\"wpforms-2859-field_56_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_56_2\">Yes.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_56_3\" name=\"wpforms[fields][56]\" value=\"No.\" aria-errormessage=\"wpforms-2859-field_56_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_56_3\">No.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_63-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-type=\"radio\" data-field-id=\"63\"><fieldset><legend class=\"wpforms-field-label\">20. What is the statute of limitation for Truth in Lending? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_63\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_63_2\" name=\"wpforms[fields][63]\" value=\"3 years.\" aria-errormessage=\"wpforms-2859-field_63_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_63_2\">3 years.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_63_3\" name=\"wpforms[fields][63]\" value=\"1 year.\" aria-errormessage=\"wpforms-2859-field_63_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_63_3\">1 year.<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_63_5\" name=\"wpforms[fields][63]\" value=\"2 years.\" aria-errormessage=\"wpforms-2859-field_63_5-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_63_5\">2 years.<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_63_4\" name=\"wpforms[fields][63]\" value=\"4 years.\" aria-errormessage=\"wpforms-2859-field_63_4-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_63_4\">4 years.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_65-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-2-columns\" data-field-type=\"radio\" data-field-id=\"65\"><fieldset><legend class=\"wpforms-field-label\">21. Who did the Truth in Lending Act original apply to? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_65\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_65_2\" name=\"wpforms[fields][65]\" value=\"Foreign entities.\" aria-errormessage=\"wpforms-2859-field_65_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_65_2\">Foreign entities.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_65_3\" name=\"wpforms[fields][65]\" value=\"Agricultural loans.\" aria-errormessage=\"wpforms-2859-field_65_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_65_3\">Agricultural loans.<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_65_5\" name=\"wpforms[fields][65]\" value=\"The every day man and woman.\" aria-errormessage=\"wpforms-2859-field_65_5-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_65_5\">The every day man and woman.<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_65_4\" name=\"wpforms[fields][65]\" value=\"Federal entities.\" aria-errormessage=\"wpforms-2859-field_65_4-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_65_4\">Federal entities.<\/label><\/li><li class=\"choice-6 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_65_6\" name=\"wpforms[fields][65]\" value=\"State entities.\" aria-errormessage=\"wpforms-2859-field_65_6-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_65_6\">State entities.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_67-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"67\"><fieldset><legend class=\"wpforms-field-label\">22. Attorneys fee under Truth in Lending Act can be claimed if: <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_67\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_67_2\" name=\"wpforms[fields][67]\" value=\"You presented a good case and how hard you worked at it.\" aria-errormessage=\"wpforms-2859-field_67_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_67_2\">You presented a good case and how hard you worked at it.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_67_3\" name=\"wpforms[fields][67]\" value=\"The case is won.\" aria-errormessage=\"wpforms-2859-field_67_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_67_3\">The case is won.<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_67_5\" name=\"wpforms[fields][67]\" value=\"Fraud is proved in the case successfully.\" aria-errormessage=\"wpforms-2859-field_67_5-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_67_5\">Fraud is proved in the case successfully.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_69-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"69\"><fieldset><legend class=\"wpforms-field-label\">23. Where are most of the frauds in truth in Lending Found? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_69\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_69_2\" name=\"wpforms[fields][69]\" value=\"In the closing documents.\" aria-errormessage=\"wpforms-2859-field_69_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_69_2\">In the closing documents.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_69_3\" name=\"wpforms[fields][69]\" value=\"In the Lease\/Financing Agreement for the property involved.\" aria-errormessage=\"wpforms-2859-field_69_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_69_3\">In the Lease\/Financing Agreement for the property involved.<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_69_5\" name=\"wpforms[fields][69]\" value=\"In The Financing Statements filed by the dealer and other third parties.\" aria-errormessage=\"wpforms-2859-field_69_5-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_69_5\">In The Financing Statements filed by the dealer and other third parties.<\/label><\/li><li class=\"choice-7 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_69_7\" name=\"wpforms[fields][69]\" value=\"In the advertisement from the company.\" aria-errormessage=\"wpforms-2859-field_69_7-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_69_7\">In the advertisement from the company.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_71-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"71\"><fieldset><legend class=\"wpforms-field-label\">24. Is a settlement equivalent to winning a case? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_71\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_71_2\" name=\"wpforms[fields][71]\" value=\"Yes.\" aria-errormessage=\"wpforms-2859-field_71_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_71_2\">Yes.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_71_3\" name=\"wpforms[fields][71]\" value=\"It depends.\" aria-errormessage=\"wpforms-2859-field_71_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_71_3\">It depends.<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_71_5\" name=\"wpforms[fields][71]\" value=\"No.\" aria-errormessage=\"wpforms-2859-field_71_5-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_71_5\">No.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_73-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"73\"><fieldset><legend class=\"wpforms-field-label\">25. What is an off set classified as within the range of tools that can be used on pen and paper. <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_73\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_73_2\" name=\"wpforms[fields][73]\" value=\"Exclusive equity.\" aria-errormessage=\"wpforms-2859-field_73_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_73_2\">Exclusive equity.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_73_3\" name=\"wpforms[fields][73]\" value=\"Fuck you Writ.\" aria-errormessage=\"wpforms-2859-field_73_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_73_3\">Fuck you Writ.<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_73_5\" name=\"wpforms[fields][73]\" value=\"A petition.\" aria-errormessage=\"wpforms-2859-field_73_5-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_73_5\">A petition.<\/label><\/li><li class=\"choice-8 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_73_8\" name=\"wpforms[fields][73]\" value=\"A Motion.\" aria-errormessage=\"wpforms-2859-field_73_8-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_73_8\">A Motion.<\/label><\/li><li class=\"choice-9 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_73_9\" name=\"wpforms[fields][73]\" value=\"A private correspondence to the judge\u2019s chamber.\" aria-errormessage=\"wpforms-2859-field_73_9-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_73_9\">A private correspondence to the judge\u2019s chamber.<\/label><\/li><li class=\"choice-10 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_73_10\" name=\"wpforms[fields][73]\" value=\"Affirmative Defense.\" aria-errormessage=\"wpforms-2859-field_73_10-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_73_10\">Affirmative Defense.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_75-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"75\"><fieldset><legend class=\"wpforms-field-label\">26. Does setoff apply before or after attorneys frees are calculated? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_75\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_75_2\" name=\"wpforms[fields][75]\" value=\"Before.\" aria-errormessage=\"wpforms-2859-field_75_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_75_2\">Before.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_75_3\" name=\"wpforms[fields][75]\" value=\"After.\" aria-errormessage=\"wpforms-2859-field_75_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_75_3\">After.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_77-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"77\"><fieldset><legend class=\"wpforms-field-label\">27. Are attorneys fees limited to just attorneys? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_77\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_77_2\" name=\"wpforms[fields][77]\" value=\"Yes\" aria-errormessage=\"wpforms-2859-field_77_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_77_2\">Yes<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_77_3\" name=\"wpforms[fields][77]\" value=\"No.\" aria-errormessage=\"wpforms-2859-field_77_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_77_3\">No.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_79-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"79\"><fieldset><legend class=\"wpforms-field-label\">28. When setoff is asserted, what type of claim does it automatically trigger? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_79\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_79_2\" name=\"wpforms[fields][79]\" value=\"A creditor-debtor case because all crimes are commercial.\" aria-errormessage=\"wpforms-2859-field_79_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_79_2\">A creditor-debtor case because all crimes are commercial.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_79_3\" name=\"wpforms[fields][79]\" value=\"A recoupment claim.\" aria-errormessage=\"wpforms-2859-field_79_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_79_3\">A recoupment claim.<\/label><\/li><li class=\"choice-11 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_79_11\" name=\"wpforms[fields][79]\" value=\"A setoff claim.\" aria-errormessage=\"wpforms-2859-field_79_11-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_79_11\">A setoff claim.<\/label><\/li><li class=\"choice-12 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_79_12\" name=\"wpforms[fields][79]\" value=\"A discharge claim.\" aria-errormessage=\"wpforms-2859-field_79_12-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_79_12\">A discharge claim.<\/label><\/li><li class=\"choice-13 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_79_13\" name=\"wpforms[fields][79]\" value=\"A legal claim.\" aria-errormessage=\"wpforms-2859-field_79_13-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_79_13\">A legal claim.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_81-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"81\"><fieldset><legend class=\"wpforms-field-label\">29. When a counterclaim is won by you, is it the same as winning the original case that gave rise to it? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_81\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_81_2\" name=\"wpforms[fields][81]\" value=\"Yes\" aria-errormessage=\"wpforms-2859-field_81_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_81_2\">Yes<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_81_3\" name=\"wpforms[fields][81]\" value=\"No\" aria-errormessage=\"wpforms-2859-field_81_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_81_3\">No<\/label><\/li><li class=\"choice-11 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_81_11\" name=\"wpforms[fields][81]\" value=\"It depends on which relief you demand in the setoff case in conjunction with the originating case\" aria-errormessage=\"wpforms-2859-field_81_11-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_81_11\">It depends on which relief you demand in the setoff case in conjunction with the originating case<\/label><\/li><li class=\"choice-12 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_81_12\" name=\"wpforms[fields][81]\" value=\"It depends on the jurisdiction and their circuit ruling on how this is determined.\" aria-errormessage=\"wpforms-2859-field_81_12-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_81_12\">It depends on the jurisdiction and their circuit ruling on how this is determined.<\/label><\/li><li class=\"choice-13 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_81_13\" name=\"wpforms[fields][81]\" value=\"It depends on whether your evidence was admitted.\" aria-errormessage=\"wpforms-2859-field_81_13-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_81_13\">It depends on whether your evidence was admitted.<\/label><\/li><li class=\"choice-14 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_81_14\" name=\"wpforms[fields][81]\" value=\"Item C &amp; D\" aria-errormessage=\"wpforms-2859-field_81_14-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_81_14\">Item C &amp; D<\/label><\/li><li class=\"choice-15 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_81_15\" name=\"wpforms[fields][81]\" value=\"Item C &amp;E\" aria-errormessage=\"wpforms-2859-field_81_15-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_81_15\">Item C &amp;E<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_83-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"83\"><fieldset><legend class=\"wpforms-field-label\">30. Which entity during 2022 limited and determined via its \u2018advisory opinions\u2019 which party satisfies the attorneys fees in an offset claim in a Truth in Lending related cases? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-2859-field_83\" class=\"wpforms-field-required\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_83_2\" name=\"wpforms[fields][83]\" value=\"State Attorney General.\" aria-errormessage=\"wpforms-2859-field_83_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_83_2\">State Attorney General.<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_83_3\" name=\"wpforms[fields][83]\" value=\"Federal Attorney General.\" aria-errormessage=\"wpforms-2859-field_83_3-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_83_3\">Federal Attorney General.<\/label><\/li><li class=\"choice-11 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_83_11\" name=\"wpforms[fields][83]\" value=\"Federal Communications Commission\" aria-errormessage=\"wpforms-2859-field_83_11-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_83_11\">Federal Communications Commission<\/label><\/li><li class=\"choice-12 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_83_12\" name=\"wpforms[fields][83]\" value=\"Consumer Financial protection Bureau.\" aria-errormessage=\"wpforms-2859-field_83_12-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_83_12\">Consumer Financial protection Bureau.<\/label><\/li><li class=\"choice-13 depth-1\"><input type=\"radio\" id=\"wpforms-2859-field_83_13\" name=\"wpforms[fields][83]\" value=\"Federal Trade Commission.\" aria-errormessage=\"wpforms-2859-field_83_13-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-2859-field_83_13\">Federal Trade Commission.<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-2859-field_28-container\" class=\"wpforms-field wpforms-field-layout\" data-field-type=\"layout\" data-field-id=\"28\"><div class=\"wpforms-field-layout-columns wpforms-field-layout-preset-100\"><div class=\"wpforms-layout-column wpforms-layout-column-100\" ><div id=\"wpforms-2859-field_27-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"27\"><label class=\"wpforms-field-label\" for=\"wpforms-2859-field_27\">Email (Get Truth in Lending Cheat Sheet in addition to your results) <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"email\" id=\"wpforms-2859-field_27\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][27]\" spellcheck=\"false\" aria-errormessage=\"wpforms-2859-field_27-error\" required><\/div><div id=\"wpforms-2859-field_26-container\" class=\"wpforms-field wpforms-field-name\" data-field-type=\"name\" data-field-id=\"26\"><label class=\"wpforms-field-label\" for=\"wpforms-2859-field_26\">Name <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-2859-field_26\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][26]\" aria-errormessage=\"wpforms-2859-field_26-error\" required><\/div><\/div><\/div><\/div><div id=\"wpforms-2859-field_12-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"12\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"1\" data-formid=\"2859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">See My Results!<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-2 last \" data-page=\"2\" style=\"display:none;\"><div id=\"wpforms-2859-field_10-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"10\"><input type=\"hidden\" id=\"wpforms-2859-field_10\" name=\"wpforms[fields][10]\"><\/div><div id=\"wpforms-2859-field_17-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"17\"><input type=\"hidden\" id=\"wpforms-2859-field_17\" name=\"wpforms[fields][17]\"><\/div><div id=\"wpforms-2859-field_18-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"18\"><input type=\"hidden\" id=\"wpforms-2859-field_18\" name=\"wpforms[fields][18]\"><\/div><div id=\"wpforms-2859-field_23-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"23\"><input type=\"hidden\" id=\"wpforms-2859-field_23\" name=\"wpforms[fields][23]\"><\/div><div id=\"wpforms-2859-field_22-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"22\"><input type=\"hidden\" id=\"wpforms-2859-field_22\" name=\"wpforms[fields][22]\"><\/div><div id=\"wpforms-2859-field_21-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"21\"><input type=\"hidden\" id=\"wpforms-2859-field_21\" name=\"wpforms[fields][21]\"><\/div><div id=\"wpforms-2859-field_20-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"20\"><input type=\"hidden\" id=\"wpforms-2859-field_20\" name=\"wpforms[fields][20]\"><\/div><div id=\"wpforms-2859-field_19-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"19\"><input type=\"hidden\" id=\"wpforms-2859-field_19\" name=\"wpforms[fields][19]\"><\/div><div id=\"wpforms-2859-field_35-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"35\"><input type=\"hidden\" id=\"wpforms-2859-field_35\" name=\"wpforms[fields][35]\"><\/div><div id=\"wpforms-2859-field_37-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"37\"><input type=\"hidden\" id=\"wpforms-2859-field_37\" name=\"wpforms[fields][37]\"><\/div><div id=\"wpforms-2859-field_39-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"39\"><input type=\"hidden\" id=\"wpforms-2859-field_39\" name=\"wpforms[fields][39]\"><\/div><div id=\"wpforms-2859-field_41-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"41\"><input type=\"hidden\" id=\"wpforms-2859-field_41\" name=\"wpforms[fields][41]\"><\/div>\t\t<div id=\"wpforms-2859-field_1-container\"\n\t\t\tclass=\"wpforms-field wpforms-field-text\"\n\t\t\tdata-field-type=\"text\"\n\t\t\tdata-field-id=\"1\"\n\t\t\t>\n\t\t\t<label class=\"wpforms-field-label\" for=\"wpforms-2859-field_1\" >party? Act in<\/label>\n\t\t\t<input type=\"text\" id=\"wpforms-2859-field_1\" class=\"wpforms-field-medium\" name=\"wpforms[fields][1]\" >\n\t\t<\/div>\n\t\t<div id=\"wpforms-2859-field_87-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"87\"><input type=\"hidden\" id=\"wpforms-2859-field_87\" name=\"wpforms[fields][87]\"><\/div><div id=\"wpforms-2859-field_45-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"45\"><input type=\"hidden\" id=\"wpforms-2859-field_45\" name=\"wpforms[fields][45]\"><\/div><div id=\"wpforms-2859-field_49-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"49\"><input type=\"hidden\" id=\"wpforms-2859-field_49\" name=\"wpforms[fields][49]\"><\/div><div id=\"wpforms-2859-field_50-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"50\"><input type=\"hidden\" id=\"wpforms-2859-field_50\" name=\"wpforms[fields][50]\"><\/div><div id=\"wpforms-2859-field_53-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"53\"><input type=\"hidden\" id=\"wpforms-2859-field_53\" name=\"wpforms[fields][53]\"><\/div><div id=\"wpforms-2859-field_55-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"55\"><input type=\"hidden\" id=\"wpforms-2859-field_55\" name=\"wpforms[fields][55]\"><\/div><div id=\"wpforms-2859-field_57-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"57\"><input type=\"hidden\" id=\"wpforms-2859-field_57\" name=\"wpforms[fields][57]\"><\/div><div id=\"wpforms-2859-field_64-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"64\"><input type=\"hidden\" id=\"wpforms-2859-field_64\" name=\"wpforms[fields][64]\"><\/div><div id=\"wpforms-2859-field_66-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"66\"><input type=\"hidden\" id=\"wpforms-2859-field_66\" name=\"wpforms[fields][66]\"><\/div><div id=\"wpforms-2859-field_68-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"68\"><input type=\"hidden\" id=\"wpforms-2859-field_68\" name=\"wpforms[fields][68]\"><\/div><div id=\"wpforms-2859-field_70-container\" class=\"wpforms-field wpforms-field-hidden wpforms-calculations-field\" data-field-type=\"hidden\" data-field-id=\"70\"><input type=\"hidden\" id=\"wpforms-2859-field_70\" name=\"wpforms[fields][70]\"><\/div><div id=\"wpforms-2859-field_72-container\" 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type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-2859\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send Results to Email\" aria-live=\"assertive\" value=\"wpforms-submit\">Send Results to Email<\/button><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/subtlesubstanceservices.com\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\"><\/div><\/form><\/div>  <!-- .wpforms-container --><p><strong>Watch this<mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff0000\" class=\"has-inline-color\"><a href=\"https:\/\/www.youtube.com\/playlist?list=PLEQ6dHAxhtAKYMAqd3JP49D7Iz126aBdu\" target=\"_blank\" rel=\"noopener nofollow ugc\" title=\" Playlist\"> Playlist<\/a> <\/mark>on Truth in Lending Act for more details explanation and revelation of who is sticking it up your arse behind closed doors.<br>The intermediate and balls deep levels are coming soon\u2026<\/strong><\/p><p><\/p><p><\/p><figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Contract 101- Truth In Lending Part 1- How To Rescind Loans Using Notary Protest\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/PEZx5kkNhoM?list=PLEQ6dHAxhtAKYMAqd3JP49D7Iz126aBdu\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>","protected":false},"excerpt":{"rendered":"<p>Context: Imagine you are Bob. Bob just bought a new vehicle from the good ol\u2019 dealer, he financed it, then the dealer sold the financing documents to a financing company (a third party). 3 years down the line, Bob somehow got his vehicle repossessed by the financing company, oh and the financing company are now [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2881","page","type-page","status-publish","hentry"],"aioseo_notices":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/subtlesubstanceservices.com\/index.php?rest_route=\/wp\/v2\/pages\/2881","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/subtlesubstanceservices.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/subtlesubstanceservices.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/subtlesubstanceservices.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/subtlesubstanceservices.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2881"}],"version-history":[{"count":25,"href":"https:\/\/subtlesubstanceservices.com\/index.php?rest_route=\/wp\/v2\/pages\/2881\/revisions"}],"predecessor-version":[{"id":3089,"href":"https:\/\/subtlesubstanceservices.com\/index.php?rest_route=\/wp\/v2\/pages\/2881\/revisions\/3089"}],"wp:attachment":[{"href":"https:\/\/subtlesubstanceservices.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2881"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}