When Hardison filed for bankruptcy, one of his main creditors was General Finance Corporation (GFC) to which he owed $2,800. After the GFC debt and others were discharged as a result of the bankruptcy procedure, he received a letter from GFC informing him that his credit was still good with it. By telephone, Hardison then arranged for a $1,200 loan from GFC. However, when he appeared to pick up the money, GFC informed him that it was going to make the loan only if he agreed to pay back not only the $1,200, but also an additional $1,200 from the first loan. Hardison then signed a consumer credit contract agreeing to those terms. Later, Hardison filed a lawsuit claiming that GFC should have included the amount from the previously discharged debt in the “total finance charge” in the truth-in-lending statement shown him at the time of the transaction, rather than as a part of the “total amount financed.” Hardison wanted damages available under the Truth in Lending Act. Should he receive them? (Hardison v. General Finance Corporation, 738 F.2d 893)