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The plaintiffs, Frederick Amoche ("Amoche"), Diane Dauphinais ("Dauphinais"), and Jon Valliere ("Valliere") initiated this cause of action on behalf of themselves and all others similarly situated against the defendant, Guarantee Trust Life Insurance Company ("GTL"). The plaintiffs each allegedly purchased credit life and/or credit disability insurance issued by the defendant, a credit insurer, as part of a retail installment sales contract for the purchase of an automobile. The plaintiffs have asserted five claims arising from the defendant's alleged breach of its contractual, statutory, and fiduciary obligations to refund unearned premiums to the plaintiffs upon early loan repayment.

The plaintiff instituted this action seeking to recover monies owed to the plaintiff for the sale of building supplies to the defendant's company, ZLGH. Specifically, the plaintiff claims the defendant obtained a line of credit on behalf of ZLGH and personally guaranteed the amounts owed. The defendant admits that ZLGH owes at least $33,709.35 for supplies it purchased after the defendant obtained the line of credit. The defendant, however, disputes the allegation that he gave a personal guaranty for the amounts owed and claims he did not agree to personally guarantee the outstanding balance existing at the time he assumed ownership of ZLGH.