In Pennsylvania there is a way to get around the problems of the TILA, which can apply all over the United States. Instead of charging them with TILA violations. Charge Them with CONTRACT FRAUD, because the violations of the TILA are acts of FRAUD. And if you have HORNBOOK LAW violations it makes it better. Hornbook LAW states that no contract can be signed under DURESS and that all terms of the contract have to agreed upon by both parties along with if the contract contains Fraud the signing of the contract is not a deffence.