In Re Geraldine Kay Smith, Debtor. Gold Country Lenders v. Geraldine Kay Smith, in Re Geraldine Kay Smith, Debtor. Geraldine Kay Smith v. Gold Country Lenders

289 F.3d 1155 In re Geraldine Kay SMITH, Debtor. Gold Country Lenders, Appellant, v. Geraldine Kay Smith, Appellee. In re Geraldine Kay Smith, Debtor. Geraldine Kay Smith, Appellant, v. Gold Country Lenders, Appellee. No. 00-36014. No. 00-36032. United States Court of Appeals, Ninth Circuit. Argued and Submitted March 6, 2002. Filed May 16, 2002. Howard S. Lichtig, Port Orford, OR, for the appellant. Geraldine Kay Smith, Pro Se, Ashland, OR, for the appellee. Appeal from the Ninth Circuit Bankruptcy Appellate Panel, Ryan, Klein, and MacDonald, Bankruptcy Judges, Presiding. BAP Nos. OR-99-1543-RyKM, OR-99-01542-RyKM. Before B. FLETCHER, O'SCANNLAIN, and BERZON, Circuit Judges. OPINION PER CURIAM. 1 Debtor Geraldine Smith cross-appeals a decision by the Bankruptcy Appellate Panel ("BAP") denying her claim for actual damages as a result of Gold Country Lenders's violation of the Truth in Lending Act ("TILA"), 15 U.S.C. § 1601 . 2 We have jurisdiction pursuant to 28 U.S.C. § 158 (d), and review the decision of the BAP de novo. Cool Fuel, Inc. v. Bd. of Equalization ( In re Cool Fuel, Inc. ), 210 F.3d 999, 1001 (9th Cir.2000). For the reasons assigned, we affirm. 3 In June…