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Background
Some of the facts have been stipulated, and they are so
found. We incorporate by reference the parties’ stipulation of
facts and accompanying exhibits.
At the time that the petition was filed, petitioners resided
in Mount Prospect, Illinois. References to petitioners
individually are to Mr. De Shon or Mrs. De Shon.
From as early as 1986 through May 1999, petitioners had a
joint Discover credit card account ending with the numbers 790
(account 790). The credit card statement for this account as of
July 26, 1998, indicated that petitioners made a payment of $130
and purchases of $192 and incurred finance charges of $128. The
account balance was $7,427. In September 1998, Mr. De Shon filed
by telephone with Discover a dispute concerning the balance due
as reflected in the July 26, 1998 statement. Mr. De Shon did not
dispute the purchases made but rather disputed the amount of the
balance due.
The credit card statement as of August 26, 1998, indicated
that petitioners made a purchase of $46 and incurred a late fee
of $25 and finance charges of $134. The account balance was
$7,631. The statement contained language indicating that the
account was past due and demanded payment of such amount. In
October 1998, Mr. De Shon filed by telephone with Discover a
dispute concerning the balance due as reflected in the August 26,
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