Well, what do you know? In "The State of Tennessee Attorney General v Elavon, Inc. and Ladco Financial Group", the judge ruled in favor of the plaintiffs, ordering Elavon and Ladco to provide full restitution to Tennessee consumers. If you are still fighting Elavon/Ladco, have your attorney or other legal advisor read this Judgment and determine how the terms of the Injunction may be applied to your case.
Here is a link to the entire document:
http://attorneygeneral.tn.gov/cases/elavon/elavonafj.pdf