Your Credit, Inc. v. Kathleen MacGregor
Annotate this Case
Download PDF
This memorandum opinion was not selected for publication in the New Mexico Appellate Reports. Please see Rule 12-405 NMRA for restrictions on the citation of unpublished memorandum opinions. Please also note that this electronic memorandum opinion may contain computer-generated errors or other deviations from the official paper version filed by the Court of Appeals and does not include the filing date. 1 IN THE COURT OF APPEALS OF THE STATE OF NEW MEXICO 2 YOUR CREDIT, INC., 3 Plaintiff-Appellee, 4 v. NO. 34,606 5 KATHLEEN MACGREGOR, 6 Defendant-Appellant. 7 APPEAL FROM THE DISTRICT COURT OF VALENCIA COUNTY 8 James Lawrence Sanchez, District Judge 9 Barnett Law Firm 10 Jennifer Rodriguez Rodgers 11 Albuquerque, NM 12 for Appellee 13 Kathleen S. MacGregor 14 Albuquerque, NM 15 Pro Se Appellant 16 17 VIGIL, Chief Judge. MEMORANDUM OPINION 1 {1} Appellant Kathleen MacGregor (Borrower) raises a number of issues relating 2 to the central challenge that the district court erred in ruling that Appellee Your Credit, 3 Inc. (Lender) is entitled to judgment in its favor based Borrower’s loan default. [RP 4 46] Our notice proposed to reverse; Borrower filed a memorandum in support, and 5 Lender filed no response. 6 {2} For the reasons detailed in our notice, we reverse the judgment against 7 Borrower, and remand to the district court with instructions that Lender, as restitution, 8 be required to reimburse Borrower all the money she paid Lender minus the principal 9 plus a 15 percent default interest rate. See B & B Investment Group, 2014-NMSC-024, 10 ¶¶ 46-51, 329 P.3d 658 (requiring the defendants to refund all money collected by the 11 defendants on their signature loans in excess of 15 percent of the loan principal as 12 restitution for their unconscionable trade practices). 13 {3} IT IS SO ORDERED. 14 15 __________________________________ MICHAEL E. VIGIL, Chief Judge 16 WE CONCUR: 17 _________________________________ 18 TIMOTHY L. GARCIA, Judge 2 1 _________________________________ 2 J. MILES HANISEE, Judge 3
Some case metadata and case summaries were written with the help of AI, which can produce inaccuracies. You should read the full case before relying on it for legal research purposes.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
