Courses of action (that is, legal issues) used by Mr and Mrs Amadio to challenge the mortgage they had signed include:
- Misrepresentation; the respondents argued that that the surety was limited to $50000 and limited to a duration of 6 months. The bank failed to make disclosure of the circumstances under which they were signing the surety. Thus, the failure amounted to misrepresentation of material facts;
- Unconscionable bargain; and
- Undue influence (Nickolas 2013).