ATLANTA - A federal judge in Florida did not err in awarding judgment to defendants accused of violating the Truth in Lending Act (TILA) and Fair Debt Collection Practices Act (FDCPA) and allowing a couple to represent themselves during the trial, an 11th Circuit U.S. Court of Appeals panel ruled April 22, because the plaintiffs admitted that they did not make their mortgage payments and that their lender supplied them documents required by TILA (Lorraine Hixson, et al. v. CitiMortgage Inc., et al., No. 12-11008, 11th Cir.; 2013 U.S. App. LEXIS 7935).