HOUSEHOLD FINANCE CORP. v. ELLIS

Robert A. Lauver, P.A., by Robert A. Lauver, for plaintiff-

Legal Aid Society of Northwest North Carolina,

, by Joanna B. George

Ellen W. Gerber, for defendant-

Smith, Helms, Mulliss Moore by Benjamin F. Davis, Jr.,

John J. Korzen, for North Carolina Bankers Association, North Carolina Financial Services Association,

North Carolina Retail Merchants Association, amici

North Carolina Legal Services Resource Center, by Robert M. Schofield, for North Carolina Clients Council, amicus

Gulley Calhoun by Michael D. Calhoun, for North Carolina Consumers Council, amicus