Tina J. Parks v. Mid-Atlantic Finance Company, Inc.

Tina J. Parks (“the Buyer”) purchased an automobile on an installment payment plan and signed a “Retail Installment Contract and Security Agreement” (“the Installment Contract”) pledging the vehicle as collateral to the seller-lender, Chris Yousif dba Quality Motors (“the Seller”). Mid-Atlantic Finance Company, Inc. purchased the Seller’s rights in the Installment Contract. Mid-Atlantic later informed the Seller when the Buyer fell behind on her payments. The Seller repossessed the vehicle. Mid-Atlantic sold its rights under the Installment Contract to the Seller. The Buyer then filed this action against the Seller and Mid-Atlantic on various theories. The trial court granted Mid-Atlantic summary judgment and dismissed the Buyer’s claim against the company, finding that, as the purchaser of the Installment Contract, it had no duty to the Buyer. The Buyer appeals. We affirm.