295 F.3d 522 Sharon R. PFENNIG, Plaintiff-Appellant,v.HOUSEHOLD CREDIT SERVICES, INC., and MBNA America Bank, N.A., Defendants-Appellees. No. 00-4213. United States Court of Appeals, Sixth Circuit. Argued: November 27, 2001. Decided and Filed: July 2, 2002. Rehearing and Suggestion for Rehearing En Banc Denied: September 3, 2002.* COPYRIGHT MATERIAL OMITTED John T. Murray (briefed), Sylvia M. […]