District Court, D. Delaware March 30, 2016, C.A. No. 15-529-LPS (Williams v. Atlantic Law Group, LLC)

MEMORANDUM OPINION

STARK, United States District Judge:

I. BACKGROUND

Plaintiffs, Richard J. Williams and Mary Ann Cloud-Williams, became delinquent on their home mortgage and filed for bankruptcy under Chapter 13 of the United State Bankruptcy Code. See In re Williams, 2014 WL 3584002, at *1 (Bankr. D.Del. July 18, 2014).