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United States District Court, N.D. Illinois, Eastern Division
August 22, 2005.
JANET L. SEI, Plaintiff/Counterclaim-Defendant,
UNITED STATES OF AMERICA, Defendant/Counterclaim-Plaintiff. UNITED STATES OF AMERICA, Defendant/Counterclaim-Plaintiff, v. KEITH A. SEI, Counterclaim-Defendant.
The parties' cross-motions for summary judgment are before the
court. For the following reasons, Janet Sei's motion for summary
judgment is denied and the United States' motion for summary
judgment is granted.
I. Background
The following facts are drawn from the parties' joint statement
of material facts and are undisputed. Janet and Keith Sei were
married on December 1, 1984. During their marriage, Keith founded
four businesses: (1) Midwest Surgical Assistants, Inc.; (2) The
National Surgical Billing Association, Inc.; (3) Midwest Surgical
Assistants Northeast Region, Inc.; and (4) Midwest Surgical
Assistants Mid America Region, Inc. (collectively, "the
businesses"). Starting in 1998, Keith failed to pay employee
withholding taxes from the businesses.
Prior to 2001, the Seis owned a home in South Barrington.
Around September of 2001, the Seis purchased a home at 1309
Montclaire Place in Schaumburg, Illinois. Although Janet contends that she was unaware that she and Keith owned the
Schaumburg home as tenants-by-the-entireties, the deed for the
Schaumburg home stated that the Seis owned the property as
tenants-by-the-entireties. No documents exist which state that
the Seis did not own the Schaumburg home as
tenants-by-the-entireties. After the Seis purchased the
Schaumburg home, they sold the South Barrington home and used the
proceeds to pay off the mortgage on the Schaumburg home.
In 2001, Janet learned that the four businesses were having
problems paying their federal tax liabilities. On or about May 3,
2002, both of the Seis executed a $285,000 mortgage on their home
in Schaumburg. No documents exist which reflect that Janet bought
out Keith's interest in the home at any time.
On May 13, 2002, May 14, 2002 and December 9, 2002, under
26 U.S.C. § 6672, a delegate of the Secretary of the Treasury made
assessments against Keith for a total of $1,306,144.78 (including
interest and penalties) as a responsible person for the
businesses who had failed to collect or truthfully account for
and pay over income and Federal Insurance Contribution Act
("FICA") taxes withheld from the businesses' employees. Keith
received notices of the assessments on or about the time that
they were made. In addition, notices of federal tax liens were
filed with the Recorder of Deeds for Cook County relating to the
The Seis divorced and a Judgment of Dissolution of Marriage was
entered in March of 2003. The judgment stated that title to the
Schaumburg home is "presently held jointly by the parties." A
quit claim deed that was contemplated by the judgment stated that
Keith would deliver a properly executed quit claim deed to Janet
"conveying to [Janet] all of [Keith's] interest, if any, in the title to the [Schaumburg home]." No quit
claim deed of any type relating to the Schaumburg home was
executed by Keith or recorded by Janet.
On August 4, 2003, the Schaumburg property was sold. The
Settlement Statement which described the sale listed the sellers
as Keith and Janet Sei. The escrow agent released half the
proceeds of the sale ($113,001.40) to Janet. Keith owes the
government $1,306,144.78 in back taxes. In the present action to
quiet title, the parties disagree as to who gets the remaining
half of the proceeds from the Schaumburg home.
II. Discussion
A. Standard for A Motion For Summary Judgment
Summary judgment is proper when the "pleadings, depositions,
answers to interrogatories, and admissions on file, together with
the affidavits, if any, show that there is no genuine issue of
any material fact." Fed.R.Civ.P. 56(c); Celotex Corp. v.
Catrett, 477 U.S. 317, 322 (1986). The party opposing the
summary judgment motion "may not rest upon the mere allegations
or denials of the adverse party's pleading"; rather, it must
respond with "specific facts showing that there is a genuine
issue for trial." Fed.R.Civ.P. 56(e). "The evidence of the
non-movant is to be believed, and all justifiable inferences are
to be drawn in his favor." Valenti v. Qualex, Inc.,
970 F. 2d 363, 365 (7th Cir. 1992). A court should grant a motion for
summary judgment only when the record shows that a reasonable
jury could not find for the nonmoving party. Id.
B. Keith and Janet's Claim to the Proceeds
Keith has been served and has failed to appear and defend, and
the government has submitted admissible evidence showing that he
owes the government $1,306,144.78. The court thus finds that entry of a judgment in the amount of
$1,306,144.78 against Keith is warranted. See Fed.R.Civ.P.
Janet claims that she is entitled to 100% of the proceeds from
the sale of the Schaumburg home and thus seeks a declaration that
the federal tax liens attaching to Keith's assets did not attach
to the Schaumburg home. In support, she contends that: (1) she
purchased Keith's interest in the Schaumburg home when she and
Keith took out a $285,000 mortgage on that property; (2) when she
allowed Keith to "withdraw" his half-interest in the property by
giving him the proceeds from the $285,000 mortgage, he lost his
right to reach the remaining value in the property; (3) by
"withdrawing his equity in the property" by taking out the
mortgage, any interest that Keith may have technically retained
in the property was held in trust for Janet; (4) Keith improperly
used his influence as Janet's spouse to convince Janet to allow
him to "withdraw" money from the property even though he knew
that the IRS was on the verge of filing liens; and (5) at the
time the liens were created, Keith had no interest in the
property under general equitable principles.
If any person liable to pay any tax fails to pay after the
United States demands payment, the amount of the tax "shall be a
lien in favor of the United States upon all property and rights
to property, whether real or personal, belonging to such person."
26 U.S.C. § 6321. This lien arises upon the assessment of the tax
and continues "until the liability . . . is satisfied or becomes
unenforceable by reason of lapse of time." 26 U.S.C. § 6322.
In this case, three liens came into existence on May 13, 2002,
May 14, 2002, and December 9, 2003. The United States asserts
that the three liens attached to Keith's interest in the
Schaumburg property so it is entitled to half of the proceeds
from the sale of the property. See Municipal Trust and Savings Bank v. United States,
114 F.3d 99, 101 (7th Cir. 1997) (a tax lien "follows any property
substituted for what the taxpayer owned, provided that the chain
of substitution can be traced"). For the following reasons, Keith
owned an interest in the Schaumburg home when the liens came into
being so the United States is entitled to Keith's half of the
house proceeds.
First, regardless of whether Janet and Keith held the property
as tenants-by-the-entireties or as tenants in common, it is
undisputed that both Keith and Janet's names were on the title to
the home from the time they purchased the home to the time it was
sold. Moreover, both Janet and Keith's names were on the $285,000
mortgage. The court also notes that despite the fact that Janet
and Keith's divorce decree specified that she was to ultimately
get the house, the actual decree stated that the house was owned
jointly and directed Keith to execute a quit claim deed. Keith
never did so. Thus, regardless of Janet's subjective beliefs
regarding her interest in the house and the effect of giving
Keith all of the proceeds from the $285,000 mortgage, the fact
remains that Janet and Keith jointly owned the house and jointly
took out a $285,000 mortgage on that house, and Keith never
quitclaimed his interest in the house to Janet.
Second, Janet's characterization of the legal effect of giving
Keith the proceeds from the mortgage is simply incorrect. Janet
and Keith took out a mortgage as tenants-by-the entireties and
Janet gave the proceeds of the joint loan to Keith. No documents
exist which show that Janet was purchasing Keith's interest in
the property, and no documents were ever recorded which showed
that Janet was the sole owner of the property. See
740 ILCS § 80/2 (all sales of land must be made in writing); 765 ILCS § 5/30
(all deeds and title papers are void as to creditors until they
are recorded). Moreover, as noted above, Keith and Janet's names
were both on the title to the home and the settlement statement executed when the
house was sold in August of 2003 states that Keith and Janet were
the sellers.
Third, Janet claims that when Keith took the proceeds from the
mortgage, any interest that he may have technically retained in
the property was held in a resulting or constructive trust for
Janet. Under Illinois law, a court may impose a trust when none
exists to effectuate the parties' intent, and a resulting trust
can be established where one individual pays for property but the
title is placed in another's name; the second individual is
deemed to hold the property in trust for the first. Scott v.
C.I.R., 226 F.3d 871, 874 (7th Cir. 2000); Dunham v. Kisak,
192 F.3d 1104, 1108 (7th Cir. 1999). In Illinois, the pivotal
question in determining whether a resulting trust has been
created is whether the nominal purchaser intended the actual
payor to have an ownership interest in the property. Scott v.
C.I.R., 226 F.3d at 874. To use a resulting trust to rebut
recorded legal title, Janet "must demonstrate the requisite
intent to create a [resulting] trust through clear and convincing
evidence that is unequivocal both as to its existence and to its
terms and conditions." Id. (internal citations and quotations
omitted). Furthermore, "If the evidence is doubtful or capable of
reasonable explanation upon any theory other than the existence
of a trust, it is insufficient." Id.
Here, the court agrees with the government that the facts do
not support the creation of a resulting trust. There is no
nominal purchaser and actual payor as Keith and Janet both
executed the mortgage. Thus, this is not a situation where one
person gave the consideration for property and the other person
held the title. Both Janet and Keith owned the home and they both
took out a mortgage on that home. With respect to a constructive trust, Illinois limits the
imposition of a constructive trust to situations where specific
acts of wrongdoing such as fraud, breach of fiduciary duty,
duress, coercion or mistake have occurred. Bressner v.
Ambroziak, 379 F.3d 478, 483-84 (7th Cir. 2004). Janet appears
to be arguing that Keith duped her into handing over the proceeds
from their joint mortgage, and/or led her to believe that by
giving him the money, she was selling him his interest in half of
the house. The problem with this argument is that Janet is
raising it in a tax case brought by the United States.
Specifically, to the extent that a constructive trust exists
(an issue upon which the court makes no finding), it would run
between Janet and Keith. In other words, Keith would be holding
half of the mortgage proceeds in trust for Janet, and to get
those proceeds, Janet would have to sue Keith to try to get the
money back. As matters stand, however, Keith and Janet jointly
owned the Schaumburg property, and Janet and the United States
are disputing who gets half of the proceeds from the sale of that
property. Any constructive trust would be for half of the
mortgage proceeds that Keith apparently received, so even if a
constructive trust exists, it cannot help Janet in this case
directed at the proceeds of her home.
Next, Janet argues that Keith improperly used his influence as
Janet's spouse to convince Janet to allow him to "withdraw" money
from the property even though he knew that the IRS was on the
verge of filing liens. This argument, like Janet's constructive
trust argument discussed above, is irrelevant for the purposes of
this action. If Janet wishes to raise some sort of state law tort
claim against Keith to get back half of the money from the
mortgage, she may do so. However, as matters stand, Janet elected
(in a decision that she must profoundly regret) to sign a
mortgage with Keith and to give him all of the proceeds from that
mortgage. This action concerns the proceeds from the sale of the house, and Janet has
not provided any explanation as to how this court has
jurisdiction over a dispute regarding the proceeds from the
Finally, Janet contends that at the time the liens were
created, Keith had no interest in the property under general
equitable principles. This argument is unavailing for the same
reason that Janet's trust arguments fail; this case is about the
proceeds from the sale of the house, not the proceeds from the
In sum, the court genuinely regrets that Janet's divorce from
Keith and the couple's financial dealings have left Janet in an
unfortunate position vis-a-vis the house proceeds. The court,
however, cannot dispense moral justice. All it can do is consider
the facts of this case and the controlling law. When it does so,
Janet cannot prevail as to the United States' claim to the house
proceeds. Accordingly, Janet's motion for summary judgment is
denied and the United States' motion for summary judgment is
For the above reasons, Janet's motion for summary judgment is
denied and the United States' motion for summary judgment is
granted. The clerk is directed to enter a Rule 58 judgment and to
terminate this case.
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April 18, 2007
JOSEPH SOFFER, PLAINTIFF,v.NATIONWIDE RECOVERY SYSTEMS, INC., DEFENDANT.
MEMORANDUM and ORDER
Plaintiff, Joseph Soffer ("Plaintiff"), brings this action against defendant, Nationwide Recovery Systems, Inc. ("Nationwide" or "Defendant"), pursuant to the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. § 1692 et seq., alleging that a debt collection letter sent by Defendant to Plaintiff was deceptive in that a settlement offer made in the letter contradicted information about Plaintiff's rights contained in a validation notice. Nationwide now moves to dismiss Plaintiff's complaint under Fed. R. Civ. P. 12(b)(6) for failure to state a claim upon which relief can be granted. For the reasons discussed below, Defendant's motion is granted.
The following facts, which are largely if not completely undisputed, are taken from Plaintiff's complaint and the debt collection letter attached thereto. On or about January 4, 2006, Nationwide sent a one-page, double-sided form letter to Plaintiff (the "Letter"), in an attempt to collect a $68.85 debt purportedly owed by Plaintiff to Acceris Communications, Inc. The front of the Letter states in pertinent part:
This is a formal demand for payment. Your account has been assigned to this agency from Acceris Communications Inc. It is to your advantage to cooperate.
Acceris Communications Inc has authorized Nationwide Recovery Systems to offer you the opportunity to settle your account for a lump sum payment of 34.43. To take advantage of this offer, payment of 34.43 must be received by Nationwide Recovery Systems no later than 02-08-06.
At the end of the letter is a notice which appeared in boldface type and reads, "This communication is an attempt to collect a debt. Any information obtained shall be used for that purpose. Notice: See reverse side for important information."
The reverse side of the Letter sets forth the debtors' rights, as required under the FDCPA, 15 U.S.C. § 1692g (a). A heading which reads, "Important Information," appears at the top of the page in capital letters and boldface type. The information underneath the heading states:
This is an attempt to collect a debt. Any information obtained will be used for that purpose. Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you notify this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.
The rest of the reverse side of the letter contains certain State-specific information about a consumer's rights during the debt collection process.
Within a month of receiving the Letter, Plaintiff commenced this action. In his complaint, Plaintiff alleges that the Letter violates §§ 1692e and 1692g because the Letter is deceptive and contradicts the Plaintiff's right to dispute the debt. See Complaint at ¶ 11. However, Plaintiff's Complaint does not identify the specific language in the Letter that forms the basis for this allegation.
Instead of answering the Complaint, Defendant now moves to dismiss the complaint pursuant to Fed. R. Civ. P. 12(b)(6), arguing that the settlement offer does not overshadow or contradict information in the Letter's validation notice and that the Complaint does not allege any false representations or deceptive practices. In response, Plaintiff explains that the settlement offer on the front overshadows or contradicts the validation notice on the back by creating confusion about Plaintiff's right to dispute the debt. Plaintiff also argues that the Letter is ambiguous as to whether the settlement offer remained open past the thirty-day debt-dispute period and creates confusion about when the thirty-day debt-validation period began and ended. In reply, Defendant argues that a settlement offer made in a debt collection letter does not overshadow or contradict a validation notice contained in the same letter and that the issue about whether the settlement offer expired after the thirty-day debt dispute period lapsed is irrelevant.
A complaint should not be dismissed under Fed. R. Civ. P. 12(b)(6) unless it appears beyond doubt that the plaintiff can prove no set of facts that entitles him to relief. Gregory v. Daly, 243 F.3d 687, 691 (2d Cir. 2001); Connolly v. McCall, 254 F.3d 36, 40 (2d Cir. 2001). The plaintiff's factual allegations must be accepted as true and all inferences must be drawn from those allegations in the light most favorable to the plaintiff. Connolly, 254 F.3d at 40. "To survive a motion to dismiss, however, the complaint must allege facts which, assumed to be true, confer a judicially cognizable right of action." York v. Ass'n of the Bar of New York, 286 F.3d 122, 125 (2d Cir. 2002).
Plaintiff brings this action pursuant to the 15 U.S.C. §§ 1692e and 1692g, which are both sections of the FDCPA. "The FDCPA was created in an attempt to stop abusive and deceptive practices by third-party debt collectors and to insure that those who refrain from such practices are not competitively disadvantaged." Mebane v. GC Servs. Ltd. P'ship, No. 06 Civ. 1972 (WCC), 2007 WL 776381, at *2 (S.D.N.Y. Mar. 9, 2007). The FDCPA specifically proscribes certain egregious practices. See id.; 15 U.S.C. § 1692d (1)-(6). However, it also contains a general prohibition on any "false, deceptive, or misleading representation or means in connection with the collection of any debt." 15 U.S.C. § 1692e.
Section 1692g requires a debt collector seeking to collect a debt from a consumer to send the consumer a written validation notice containing:
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
15 U.S.C. § 1692g (a)*fn2. The validation notice must be sent within five days of the debt collector's initial communication with the consumer, unless the required information is contained in the initial communication that a debt collector has with a consumer. 15 U.S.C. § 1692g (a).
In determining whether a collection notice violates §§ 1692e and 1692g, an objective standard, measured by how the "least sophisticated consumer" would interpret the notice, is applied. See Greco v. Trauner, Cohen & Thomas, L.L.P., 412 F.3d 360, 363 (2d Cir. 2005); Russell v. Equifax A.R.S., 74 F.3d 30, 34 (2d Cir. 1996); Clomon v. Jackson, 988 F.2d 1314, 1318-19 (2d Cir. 1993). This standard protects even the most naive debtors, while simultaneously shielding debt collectors from liability for "'bizarre or idiosyncratic' interpretations of collection notices." Clomon, 988 F.2d at 1319 (quoting Rosa v. Gaynor, 784 F. Supp. 1, 3 (D.Conn. 1989)). "The basic purpose of the least-sophisticated-consumer standard is to ensure that the FDCPA protects all consumers, the gullible as well as the shrewd." Id. at 1318. However, the least sophisticated consumer is "presumed to possess a rudimentary amount of information about the world and a willingness to read a collection notice with some care." Greco,412 F.3d at 363 (quoting Clomon, 988 F.2d at 1319).
Even when a debt collector timely sends a validation notice containing the statutorily required information set forth in § 1692g (a), the debt collector may still violate the FDCPA if language in the letter "overshadows or contradicts" other language informing a consumer of his or her rights. Clomon, 988 F.3d at 1319 (citing Graziano v. Harrison, 950 F.2d 107, 111 (3d Cir. 1991)). "A debt collection notice is overshadowing or contradictory if it fails to convey the validation information clearly and effectively and thereby makes the least sophisticated consumer uncertain as to her rights." Savino v. Computer Credit Inc., 164 F.3d 81, 85 (2d Cir. 1998); see also Spira v. Ashwood Financial, Inc., 358 F. Supp. 2d 150, 157 (E.D.N.Y. Feb. 28, 2005). Further, a collection notice may be found to be deceptive if it "can be reasonably read to have two or more different meanings, one of which is inaccurate." Russell, 74 F.3d at 35 (citing Clomon, 988 F.2d at 1319); see also DeSantis v. Computer Credit, Inc., 269 F.3d 159, 161 (2d Cir. 2001). "The least sophisticated debtor is not charged with gleaning the more subtle of the two interpretations" of a collection notice. Dutton v. Wolhar, 809 F. Supp. 1130, 1141 (D.Del. 1992).
In this case, Plaintiff does not dispute the fact that the Letter contains all of the statutorily required information concerning a consumer's rights required by § 1692g. Indeed, the validation notice closely tracks this information. Instead, Plaintiff principally argues that the settlement offer included in the initial communication overshadows or contradicts the statutorily required validation notice set forth on the back of the Letter, creating confusion about a consumer's right to dispute the debt.
No less than three courts in this Circuit, however, have rejected this very argument by holding, as a matter of law, that a settlement offer contained in a debt collector's initial communication with a debtor does not overshadow or contradict a validation notice contained in that same communication. See Harrison v. NBD, 968 F. Supp. 837 (E.D.N.Y. 1997); Omogbeme v. Risk Mgmt. Alternatives, Inc., No. 01 CV 7293(SJ), 2003 WL 21909773 (Aug. 4, 2003 E.D.N.Y.); Gervais v. Riddle & Assocs., No. 3:03CV2102, 2007 WL 867986 ( D.Conn. Mar. 19, 2007). Harrison is particularly similar to the case at bar. The complaint in that action was filed by the very same attorney who represents Plaintiff in this action, and it alleged that a "special discount" settlement offer contained in a debt collection letter overshadowed a validation notice also contained therein. In addition, the defendant in Harrison moved to dismiss the action pursuant to Fed. R. Civ. P. 12(b)(6). The Court granted that motion, noting that the discount offer did not demand immediate payment or "impart the impression that the plaintiff must dispute the debt in less than thirty days." 968 F. Supp. at 848. The Court also rejected the argument that expiration of the settlement offer within the Debt Validation Period provided evidence of overshadowing, stating:
If a debtor chooses to reject the discount offer, at worse, she or he would be liable for the original amount of the debt. Consequently, the Court concludes that the least sophisticated consumer would not construe [defendant's] discount offer as overshadowing or contradicting the validation notice.
Similarly, in Omogbeme, the plaintiff alleged that an initial communication which a creditor offered to settle for a discounted amount within the Debt Validation Period violated the FDCPA because the settlement offer overshadowed the validation notice printed on the reverse side of the letter. The defendant moved to dismiss pursuant to Rule 12(b)(6). Relying on Harrison, Judge Johnson granted the motion, holding: "Defendant's letter adequately notified Plaintiff of his rights under the [FDCPA]. Moreover, Defendant's letter cannot be seen as overshadowing the contents of the included validation notice." 2003 WL 21909773 at *3. Judge Johnson noted that the FDCPA did not prohibit placing the validation notice on the reverse side of the letter, and quoted Harrison for the proposition that "[t]he fact that the discount offer expires before the thirty day validation period does not provide evidence of overshadowing." Id.
In Gervais, as in Harrison and Omogbeme, the plaintiff argued that a collection letter containing a settlement offer overshadowed the validation notice contained in that letter. However, unlike in Harrison and Omogbeme, the court initially agreed with the plaintiff, granting the plaintiff's motion for summary judgment on the ground that "no genuine issue of material fact existed as to whether Defendant's validation notice contained language that impermissibly overshadowed or contradicted the apprisal of Plaintiff's rights under the FDCPA." 2007 WL 867986 at *6. The Gervais Court reasoned that the letter, which offered the plaintiff the opportunity to satisfy the debt by tendering fifty percent of the outstanding balance within thirty days of the validation notice, contained "'mutually exclusive opportunities' that worked to 'overshadow and contradict' the apprisal of Plaintiff's statutory right to dispute the debt." Id.
Upon reconsideration, however, the Gervais Court recognized that "the opportunities presented in Defendant's validation notice were not 'mutually exclusive,'" in that "there existed a period of time in which Plaintiff could have disputed the debt or requested the name and address of the original creditor, and at the same time availed himself of the discount." Id. The Court further found that "even if the defendant's validation notice described 'mutually exclusive' opportunities . . . the settlement offer was "clearly distinguishable from the apprisal of Plaintiff's statutory rights under § 1692g." Id. Citing to Omogbeme and Harrison, the Gervais Court concluded that "the mere existence of a settlement offer in a validation notice is insufficient to constitute an overshadowing claim under the FDCPA as a matter of law." Id.
In this case, Plaintiff appears to make essentially the same argument specifically rejected in Gervais: that a debt collection letter containing a validation notice and a settlement offer violates the FDCPA because it presents the debtor with two "mutually exclusive" options. Plaintiff notes that, "in order for Plaintiff to take advantage of Defendant's settlement offer, Plaintiff would have to make payment prior to the expiration of the 30-day dispute period." From this, Plaintiff concludes:
[T]he letter is patently unfair and entirely inconsistent with the debtor's right to dispute the debt with in [sic] the statutorily granted 30-day period. A consumer wishing to take advantage of the settlement offer in this case would be unable to do so AND dispute the debt.
Plaintiff's Memo of Law, p. 5.
As the Gervais Court held, the making of a settlement offer in a debt collection letter containing a validation notice need not create two mutually exclusive options. Plaintiff could have initially disputed the debt, but still have accepted the settlement offer before it expired. Moreover, since the settlement offer was "clearly distinguishable" from the validation notice, the settlement offer did not overshadow or contradict the validation notice. See Gervais, 2007 WL 867986 at *6. Merely presenting a consumer with an option to resolve a debt by accepting a settlement offer does not in any way blunt the effectiveness of a validation notice explaining that the consumer has a right to dispute the debt if the consumer chooses to do so. The issue is whether a consumer can differentiate between a settlement offer and a validation notice. As in Gervais, the settlement offer made in the Letter in this case is quite clearly distinguishable from the validation notice contained in that same communication.
Under Plaintiff's reasoning, the mere inclusion of a settlement offer in a debt collection letter containing a validation notice would constitute a per se violation of the FDCPA. Harrison, Omogbeme and Gervais squarely rejected that reasoning. Plaintiff's argument is also is flawed as a matter of public policy. A holding prohibiting the inclusion of settlement offers made in initial communications containing validation notices "would likely dissuade debt collectors from providing consumers with discounted settlement offers -- a result that would be both 'unwise and against the consumers' best interests.'" Gervais, 2007 WL 867986 at *6 (quoting Sarder v. Acad. Collection Serv., Inc., No. CV 02-2486 NG VVP, 2005 WL 615831, at *3 (E.D.N.Y. Mar. 3, 2005).
Plaintiff correctly notes that one court in this district has denied a Rule 12(b)(6) motion which sought to dismiss a claim that a debt collection letter was misleading because the letter contained a settlement offer which expired two weeks from the date the letter was mailed. See Scott v. Enhanced Recovery Corp., No. CV-05-5338 (CPS), 2006 WL 1517755 (E.D.N.Y. May 31, 2006).*fn3 However, the principal question in Scott concerned the legibility of the ink used in the validation notice contained in the letter. Having denied the defendant's motion to dismiss because there was a factual issue concerning the legibility, the Scott Court disposed of the defendant's remaining arguments -- that a settlement offer with a two-week settlement deadline and the inclusion of certain state specific information about a debtor's rights were misleading -- in a single sentence:
Whether the two week settlement deadline or the state specific subsections were misleading also involve factual issues not resolvable on a Rule 12(b)(6) motion. 2006 WL 1517755, at *5. The Scott opinion did not discuss or distinguish Harrison or Omogbeme, both of which had previously granted motions to dismiss on the very ground which was before the Scott Court. Rather, as noted in Jackson v. Immediate Credit Recovery, Inc., No. CV-05-5697 (SMG), 2006 WL 3453180, at *5 (E.D.N.Y. Nov. 28, 2006), the Scott Court denied the Rule 12(b)(6) motion "essentially without discussion." Accordingly, this Court elects to follow the reasoning of the courts in Harrison, Omogbeme and Gervais, rather than Scott.
The Plaintiff's second argument is that the least sophisticated consumer would be confused about when the Debt Validation Period began and ended because the settlement offer could have expired after the Debt Validation Period lapsed. The Letter makes clear that the settlement offer expired on February 8, 2006, and that the Debt Validation Period ended thirty days after receipt of the Letter. The Court is confident that the least sophisticated consumer would be quite able to keep these two dates separate in his or her mind, and would not be confused about the right to dispute the debt explained in the validation notice.
Accordingly, this Court concludes that neither of Plaintiff's claims have merit. Although this case was filed as a class action, plaintiff never sought to certify a class, and it is now too late to do so. See, e.g., Swan v. Stoneman, 635 F.2d 97, 102 n. 6 (2d Cir. 1980) ("As a general rule, a class action cannot be maintained unless there is a named plaintiff with a live controversy both at the time the complaint is filed and at the time the class is certified."). Therefore, this action shall be dismissed in its entirety.
For the reasons set forth above, Defendant's motion to dismiss this action pursuant to Fed. R. Civ. P. 12(b)(6) is hereby GRANTED.
SANDRA L. TOWNES United States District Judge
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Nearest station to Urdang Academy
Location map of Urdang Academy
Underground Stations
41 Long Acre, London, Covent Garden, WC2E 9JT
1 mins from Urdang Academy
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The London Borough of Westminster
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Royal Opera: Manon Lescaut
Concerts | Until 12th December 2016
Royal Opera House 1 minute walk from Urdang Academy
Jonathan Kent's staging of Puccini's opera in four acts about a man who plans to marry his sister to an ...More
Kinky Boots
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Adelphi Theatre 3 minutes walk from Urdang Academy
Inspired by a true story and based on the 2005 British film of the same name, Cyndi Lauper and Harvey ...More
Dead Funny
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The Lion King
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The Lyceum Theatre 3 minutes walk from Urdang Academy
The Lion King tells the story of Simba - the epic adventure of his battles, his friendships, his dreams and ...More
School of Rock
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New London Theatre 4 minutes walk from Urdang Academy
Students at a prestigious prep school "stick it to the man" with encouragement from their substitute teacher - wannabe rock ...More
Beautiful - The Carole King Musical
Theatre | Until 18th February 2017
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Marc Bruni directs the London transfer of the two-time Tony Award-winning Broadway musical, Beautiful - The Carole King Musical, which ...More
Theatre | Until 8th January 2017
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Half A Sixpence
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Rachel Kavanaugh directs a musical adaptation of HG Wells's disguised autobiographical novel Kipps: The Story Of A Simple Soul, with ...More
No Man's Land
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Wyndham's Theatre 5 minutes walk from Urdang Academy
Seven years after starring in Waiting for Godot together, Ian McKellen and Patrick Stewart will reunite on the London stage ...More
The Dresser
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Ken Stott and Reece Shearsmith star in Ronald Harwood's backstage drama about an ageing Shakespearean actor. Sir, who refuses to ...More
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Suite-Home Orleans: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Saran, France.
Suite-Home Orleans is located in Saran and is close to the area's well-known attractions. It features modern apartments with a private bathroom and a kitchenette.
Hotel description
This 3-star property provides an express check-in and check-out feature, meeting rooms and luggage storage. A gym can be readily accessed by guests wanting to keep active while travelling.
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New exhibit explores Native American traditional/contemporary crossroads
Picks "Why not now?" Peyton Wright owner John Wright Schaefer responds when asked why present The Indigenous Modern Intersection now.
Picks "Why not now?" Peyton Wright owner John Wright Schaefer responds when asked why present The Indigenous Modern Intersection now.
Picks It's been awhile since Denver-based metal band IAMTHESHOTGUN has played a show in Santa Fe. In fact, it's been so long that the only remaining member is guitarist Bryan Pelle (the show was in 2009).
Picks With an artistic roster that includes calavera-inspired mariachis, cholos as animas and a Picasso-influenced Pietà, it's clear that Art Lopez beats to the beat of his own artisanal drum.
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Morning Word Officials say they'll take the time needed to make the improvements to ensure a safe re-opening. ... More


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How to Build Max-Performance Chrysler Hemi Engines details how to extract even more horsepower out of these incredible engines. All the block options from street versus race, new to old, iron versus aluminum are presented. Full detailed coverage on the reciprocating assembly is also included. Heads play an essential role in flowing fuel and producing maximum horsepower, and therefore receive special treatment. Author Richard Nedbal explores major head types, rocker arm systems, head machining and prep, valves, springs, seats, porting quench control and much more. All the camshaft considerations are discussed as well, so you can select the best specification for your engine build. All the induction options are covered, including EFI. Aftermarket ignitions systems, high-performance oiling systems and cooling systems are also examined. How to install and set up power adders such as nitrous oxide, superchargers, and turbochargers is also examined in detail.Why? Because mechanical advance distributors have no way of monitoring engine load. ... leave all the mechanical advance systems in place and ifI need a performance curve, I use weak springs and let the timing max out ASAP. Then rotoranbsp;...
|How to Build Max-Performance Hemi Engines
|Richard Nedbal
|CarTech Inc - 2009


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Bearclaw Mine (Book)
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- Main article: Books (Online)
- For other uses, see Bearclaw Mine.
- Location: [?]
- Author: Hubert
Sorry for the delay in sending you this letter. I know I might not get to deliver it for a while, but I wanted to write to you about Bearclaw Mine right away. It's been a long journey, but I know it's going to be worth it.
We don't go out of the cave often, of course. There's a reason this place is called Bearclaw Mine. The bears are as fearsome as you'd expect, but that's worked out well for us. It means there isn't any competition here. As long as we're quick and quiet, we can make a lot of coin here very quickly.
Thank you again for selling the house. That should buy us more time with the debtors, and we'll be able to settle our accounts soon.
I don't feel good about bringing my family here, but you know how those moneylenders are. I actually feel safer with them here than back there.
Marisse is taking this all rather well. She brought a few books, and she's reading them to Alain. Her lessons are still very religious, but if that is what it takes for her to get through this, that's fine with me.
I hope everything worked out getting the profits to the right people. We'll be back as soon as we've got enough to pay of the rest of the debt.
May the Divines watch over you. May they guide and protect us all.
— Hubert
- This note will uncover the location Bearclaw Mine.


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BANK OF BARODA RTGS HO Branch in GHOTARSI - Address, IFSC, MICR Code
BARB0GHOTARMICR Code
GHOTARASI RAJASTHANContact
GHOTARASI PRATAPGARH DIST.CHITTORGARH RAJASTHAN - 312 605.City
What is IFSC Code of BANK OF BARODA situated at GHOTARASI RAJASTHAN- RTGS-HO?
IFSC Code of BANK OF BARODA situated at GHOTARASI RAJASTHAN - RTGS-HO is
What is the meaning of IFSC Code, MICR Codes in Banking industry?
IFSC or Indian Financial System Code is the code allocated to all banks branches. Bank branches use this code to participate in RTGS and NEFT transactions.
What is the significance of IFSC Code and how we can use it?
IFSC Code is a 11 digit code and we can use this code to communicate between different branches of different banks. Upon receiving the request for fund transfer it is easy for a bank to identify the payee branch. First four characters are code of bank, last six digits are branch code and fifth character is left 0, for any future use.


text:
Category:Product safety scandals
From Wikipedia, the free encyclopedia
This category has only the following subcategory.
- ► Food safety scandals (3 C, 42 P)
Pages in category "Product safety scandals"
The following 13 pages are in this category, out of 13 total. This list may not reflect recent changes (learn more).


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Description from the manager
Description from the manager
Bathrooms: 1/
Sleeps: 3/
Type: House
Book this -1 bedroom, 1 bathroom house in Ketchum today! A total of 3 people can sleep here comfortably.
Guests can enjoy a deck, parking space, and internet access among other amenities offered by this rental.
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Alpine Lodging Sun Valley
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Proximity to TripAdvisor's Top Ketchum Attractions
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$30.00 6 months ago
1,300lb Hand Winch with hitch - $30 (Springfield) hide this posting restore this posting
Dutton-Lainson Hand crank boat wench with hitch. SPECIFICS1300 pounds capacity4.4:1 gear ratio (4.4 revolutions with handle to turn the drum one full turn)7 inches handle with ergonomic molded gripTuffplate zinc finish provides protection against rustWench Dimensions 8.1 x 6.3 x 6 inchesapprox. 2ft long with hitch
6 months ago
Eugene, OR
$135.00 10 months ago
Deck Hand 35, Power Anchor Winch - $135 (Palmyra PA)
Electric boat-anchor winch. Operates off of a 12VDC battery. Automatically lowers and raises boat anchor via a 3-position switch, which can be mounted up to 10' from the location of the winch. Includes anchor rope and rope guide. Designed for mushroom-style anchors, up to 15lb. In very good, serviceable condition.
10 months ago
State College, PA
$15.00 1 year ago
Boat Hand Winch with cable - $15 (mohave valley)
I have 4 different ones. $15.00 to $25.00 each $15.00 one is shown
1 year ago
Mohave, AZ


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Holiday Egg Nog is Here! - Add it to your home delivery order today!
Question: Do we use hormones (such as rBST) to increase milk production?
Answer: NO, we never have and never will. We truly believe that good animal husbandry, good nutrition and lots of TLC make our girls happy productive cows! The girls have automatic grooming brushes, regular pedicures, their own nutritionist, charming veterinarians, comfortable mattresses and human interaction every day. They have freedom to socialize, eat, drink water or just snooze as they chew their cuds. They have curtains, thermostatically controlled fans and a heated milking parlor.
Legal note: No significant difference has been shown between milk from rBST-treated and non rBST–treated cows.
Question: Do we use antibiotics? This is the next most asked question.
Answer: As you know, antibiotics do not promote milk production. I like to compare antibiotic use in our girls to antibiotics in your family. You would not just give yourself or your child antibiotics for no reason, and we don't give them to the girls for no reason. By the same token, we would not just let one of our girls go untreated and die. If one of the girls is ill we call our veterinarians, they make a barn call and check the cow, make a diagnosis and prescribe the correct medication. Each medication comes with rules of usage. Any cow that has received medication is clearly marked with colorful leg bands and is put with 'hold out cows'. The milk is discarded for the indicated time, then we have the milk tested for any residue before we reintroduce it back into the tank. The health of the girls is very important, healthy happy cows make the best milk!!!
Question: Are we organic?
Answer: No we are not…pretty close though. In order for us to be organic we would have to take our fields out of production for 3 years. So we would not be able to grow our own feed, which is very important to us. We would have to pay high prices for purchased corn/feed, and therefore our milk would be more costly and not truly home grown.
Question: Do our cows go out to pasture?
Answer: The girls can go out to pasture when our Michigan weather allows. Just like your grass at home it only grows for a relatively short period during spring and summer, tapering off as we go into fall. We bale our hay during the summer so that the girls have grass/hay during the periods of time that they cannot get to the pasture. Their barns are set up so they are free to socialize, eat, drink, lay on their beds (rubber mats with mattresses on top and covered in straw) and ruminate. They have thermostatically controlled fans and also curtains that are drawn during inclement weather.
Question: What is a "heifer"?
Answer: A heifer is a young female cow who has not had her first calf yet. After her first calf is born she becomes a cow.


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2709 E 3rd St Tucson, AZ Apartments
Tucson, AZ
3 Bedroom
2 Bathroom
2 Baths
1,978 ft2 1978 ft2
Listing Description
Unfurnished 3 bd/2 ba house for rent. Historic 1928 home located in the heart of sam hughes neighborhood. Newly remodeled kitchen. Spacious master suite with walk-in closet. Wood floors, built-in mahogany book cases and media center. Lots of natural light. All high-end appliances. Partially furnished or unfurnished. Outdoor kitchen complete with gas grill and patio heater. Side patio arbor w/ fountain provides shade and fabulous outdoor dining space. Front porch with swing. Five minutes to university of arizona, university medical center, restaurants, grocery stores, public library and tennis courts. Within walking distance of sam hughes elementary school and rincon market. Adjacent to himmel park and on the 3rd street bike path. Ideal for a university professor, retired couple or family. $2,250/month, including all utilities. Shown by appointment only.


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>> Guest Reviews & RatingsPrint this page
Glass Go Houseboat
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Purdue vs Minnesota (Mar 28, 2014)
Mar 28, 2014 at Minneapolis, Minn. (Baseline Tennis Center)
|Singles competition
|1. Tereza Brichacova (MINN) def. Daniela Vidal (PUR) 6-2, 6-2
|2. Mara Schmidt (PUR) def. Natallia Pintusava (MINN) 6-0, 6-2
|3. T.Bernard-Feigenbaum (PUR) def. Jessika Mozia (MINN) 5-7, 7-5, 6-1
|4. Julia Courter (MINN) def. Nicole Robinson (PUR) 6-1, 6-2
|5. Aria Lambert (MINN) def. Andjela Djokovic (PUR) 6-1, 6-1
|6. Natalia Davila (PUR) def. Paula Rincon Otero (MINN) 6-2, 6-3
|Doubles competition
|1. Mara Schmidt/T.Bernard-Feigenbaum (PUR) def. Tereza Brichacova/Jessika Mozia (MINN) 8-5
|2. Natallia Pintusava/Julia Courter (MINN) def. Natalia Davila/Daniela Vidal (PUR) 8-3
|3. Nicole Robinson/Claudia Escribens (PUR) def. Aria Lambert/Paula Rincon Otero (MINN) 8-3
|Match Notes
|Purdue 6-7 (2-2 B1G); National ranking #46
|Minnesota 13-4 (3-1 B1G); National ranking #63
|Order of finish: Doubles (3,2,1); Singles (5,6,4,1,2,3)
Generated on 3/28/2014
First Serve With Kalyssa Hall
Kalyssa Hall comes to the Gophers after winning two 4A state championships at Cherry Creek High School.
River Hart Signs With Minnesota
University of Minnesota head coach Chuck Merzbacher announced the signing of River Hart Tuesday.
First Serve With Tina Kreinis
Tina Kreinis has posted five singles match victories and seven doubles match wins this fall for the Gophers.


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Credit derivatives house of the year: Credit Suisse
Credit derivatives house of the year: Credit Suisse
Regulators have talked tough about clamping down on the structured credit market ever since the financial crisis began. They've been true to their word, ensuring capital charges are punitive enough to make large parts of the business economically challenging for dealers. That and the rhetoric from legislators in Europe in particular have prompted many banks to pull back from the sector, unwilling to risk their reputations and increasingly scarce capital resources. But fewer competitors mean greater...
More on Awards
7 days in 60 seconds
Banking book risk, op risk losses and problems with FRTB
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Home >> new mexico >> hernandez >> wedding officiant >> formal semi-formal
Wedding Minister & Officiant , Justice of the Peace
Life's Moments are those times in life that we opt to make a unique acknowledgment of life changing occasions. Wedding events are celebrations, weddings are ceremonies, however most of all wedding events are a new beginning, a moment in time to be valued. Having the ideal Wedding Minister is essential.
For these moments, we offer comprehensive ministerial services, wedding officiating, and wedding event services. From the really conventional to contemporary services, our wedding events and officiating services are developed to show your wants, desires and dreams. We can help you craft an occasion, spiritual or secular that will be a valued memory for many years that follow.
Ministerial services and wedding officiating in the Albuquerque, NM area is our specialized, but we can travel if the need arises. Here are Travel Costs. We supply a complete range of Wedding Minister bundles; from the elopement on the courthouse steps to the most intricate and elegant wedding event service.
We also supply the finest in Justice of the Peace or secular wedding events. These civil ceremonies offer their own type of celebration, whether it be with family or just a couple and a couple of witnesses, your wedding is a unique moment to be cherished.
Wedding Packages
The Formal Package
Complete Formal wedding event, consisting of tailored event composed especially for you. Choices can include candle lights, sand event, counting of coins, crowns, handfasting, leaping of the broom, wine true blessing, you name it we can do it. This package includes a rehearsal in addition to a three hour time lock. We only do a few of these every weekend, so you are our main focus.
We arrive thirty to forty minutes ahead of time, do a blessing with both bride's and groom's party, preform the ceremony, then stay for pictures and the all important signing of the license making everything official.
Our Rate for this service is:
from $375.00
A semi-formal wedding, normally in a more casual setting, a park, a garden, a balloon hovering over the Rio Grande. We Include a customized ceremony with your option of readings, true blessings, scriptures and poems. We can include a meaningful option or two. We recommend a smaller sized wedding celebration; Bride, Groom, Best Man and Maid of Honor.
We arrive fifteen to twenty minutes before the ceremony, attend to last minute details then perform the service. We will stay for the paper work and pictures.
Our Rate for this service is:
from $250.00
We Love to Travel! (however our accountant says we have to cover little things like gas, tires and maintenance), so to keep them from chewing our ears off our travel rates are as follows;
Albuquerque/Rio Rancho Metro Area (includes Corrales, Bernalillo, Isleta, Tijeras)
No Charge.
Fee per trip mileage is one way
30 – 60 miles
60—100 miles
101-175 Miles
Over 175 miles
Please call for details
Call 505-328-7397
Rev. Bruce Byers
Bruce Byers All rights reserved. Design by Bruce Byers


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20027 Fraser Hwy, Langley, BC V3A 4E4
+ taxes & licensing
Full Loaded, Heated Front And Rear Seats, Rear DVD, Rear Audio And Video Controls, Wireless Headphones, Leather, Full Power Group, Power Lift Gate, Power Front Seats With Memory, Phone, Audio And Cruise Controls On Steering Wheel, Wood And Leather Trim, Leather Steering Wheel, 20 Alloy Rims, Roof Rack Rails, Projection Head Lights, Fog Lights, 60/40 Self Folding Rear Seats, Dual Climate Controls, Garage Door Transmitter: AC, AM/FM Stereo, 11 Speakers, MP3, Auxiliary Audio Input, Bluetooth, 265hp 6 Cylinder 3.5l, All Wheel Drive, CVT, 6 Airbags, ABS, 4 Wheel Disc Brakes. $198 Doc fee, We are a full disclosure Dealership, Ask to See Our 75 Point Mechanical Inspection, Reconditioning Report, And Full History Report. We are A+ BBB rating, Highly Rated On Google, Bank Rate Financing & Leasing Available, Trades Welcome.
Please contact the seller to confirm pricing, features, odometer, and availability of this vehicle.
See the Carpages.ca Terms & Conditions for more details.


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Featured property
Featured property
Featured property
13 Bedrooms Semi Detached House for sale
Caburn Road, HOVE, East Sussex
Coming soon to the market - a former 13 bedroom care home offering potential buyers many excellent opportunities including re-development into apartments (stpp) or a hmo property (subject…
3 Bedrooms Terraced House for sale
Montpelier Road, Brighton, East Sussex, BN1
Elegant georgian villa, grade ii listed, in the heart of the clifton and montpelier conservation area. currently configured with three bedrooms, and a fourth occasional bedroom/study,…
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Positioned in the heart of the desirable clifton montpelier conservation area with superb views over the city and down to the sea, this house sits proudly at the top of clifton place.
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Style icon - setting the bar high this stylish property has been finished to the highest of standards and could quite easily feature in a glossy magazine!
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Indulge yourself in this period family home with spectacular views across the city and out to sea
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Set in the heart of the montpelier and clifton conservation area this is the perfect opportunity to acquire a beautiful diverse victorian town house.
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From the second you step onto the beautifully laid victorian tiles you can immediately tell you are walking into one of the cities best homes.
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Star buy - competitively priced this stunning home is sure to stir up a frenzy of activity! a blank canvas to get your creative juices flowing and create your very own masterpiece.…
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Tel: See phone number 01273 772175
Website: Go to Agent Website


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3W LED moving head lighting XLED 390 is low noise, low maintenance and energy saving. This bright and colourful unit extends another choice for users.
Technical Data
Voltages: 100/120/200/220/230/240V AC, 50/60Hz
Power Consumption:
Light Source:
90 LEDS (30 Red+ 30 Green + 30 Blue)
Average service life:
50,000 hours
Colors: RGB Color mixing
Color Temperature:
0~100% linearly adjustable
Dimmer: 0~100% linearly adjustable (8- or 16-bit)
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Standard: 13°
Optional: 23°
Field angle:
Standard: 26°
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DMX Channels:
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DMX channel display
Menu inversion display function
Fixture and Lamp usage time display
Other features:
Automatic fan speed control
Automatically turn off power when LED temperature is too high
Ambient temperature:
Housing: Composite plastic and aluminum (IP20)
Net weight: 11kg


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In celebration of the release of "Helldiver", the first book in the epic graphic novel series The Four Horsemen of the Apocalypse, Heavy Metal Magazine invites artists to submit their original artwork or photography displaying their vision of Pestilence.
The three-book series is written by Michael Mendheim and illustrated by Simon Bisley. Check out the cover art for "Helldiver" and a video trailer below. Parts 2 and 3 are entitled "The Chosen" and "End of Days," respectively.
Kevin Eastman, owner and publisher of Heavy Metal Magazine, asks "What's Your Vision of Pestilence?" The Top 10 Finalists will have the honor of their artwork celebrated in Heavy Metal Magazine's 35th anniversary issue and receive a subscription to Heavy Metal Magazine with the grand prize winner also taking home an original, signed Simon Bisley painting of Pestilence!
The contest is simple. Submit your vision of Pestilence through original artwork or photography from March 17th (St. Patrick's Day) through April 28th, 2012 at The Four Horsemen of the Apocalypse Facebook contest page. The Top 10 Finalists will be chosen by Simon Bisley, Kevin Eastman, Dave Elliot, and Michael Mendheim. The grand prize winner will be chosen from the Top 10 Finalists by Facebook fan votes.
The Pestilence Art Contest is just one of many promotions celebrating the launch of The Four Horsemen of the Apocalypse graphic novel series with "Helldiver" hitting shelves April 13th, 2012, as well as the 35th Anniversary of Heavy Metal Magazine.
For more information about the contests, events, and surprises, be sure to check out The Four Horsemen of the Apocalypse Facebook page and the official The Four Horsemen of the Apocalypse website.
The End is Here – Welcome to the Apocalypse! Raised by the Order of Solomon, Adam Cahill is one of a rare handful of highly trained warriors bound by bloodline to guard the Seven Holy Seals that contain the End of Days. But ageless forces have conspired toward a prophetic event foretold by numerous cultures and multiple religions, and when that cryptic date arrives, they strike against the order without mercy! Adam's world is shattered, his family murdered, and he is sent spiraling into Hell itself. There, he must find three corrupt souls, chosen by Divinity, to join him in battle against the legendary Horsemen of the Apocalypse. These broken individuals must band together to not only save their own souls but decide the fate of Humanity.
Got news? Click here to submit it!
Save your soul in the comments section below!


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Bridget McDonnell Gallery
Established 1983, Carlton since 1986
Fine Early and Modern Australian Paintings, Watercolours, Drawings and Prints 1850-2000; Paintings from St. Petersburg 1940-2000; English & European Paintings, Drawings and Prints 1880-1960email: email@example.com
Carlton Gallery
Christmas Exhibition
100 Works priced under $2,000Artists include John Glover, Oswald Brierly, William Strutt, Rupert Bunny, William Dobell, Danila Vassilieff, Francis Lymburner, Clifford Bayliss, Charles Blackman and many others. Also available a new selection of Paintings from St. Petersburg; Bird Sculptures from the Tiwi Islands and more
9-23 December 2016
10 - 5 pm Mon - Sat
Basement Gallery - Kylie Elkington - Curious Natives9-23 December 2016 Between exhibitions the gallery may be closed some days. It is advisable to call or email before coming in to check we are open


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Susie Abromeit
9,459pages onAdd New Page
this wiki
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Susie Abromeit portrayed Pam in the Jessica Jones episodes AKA Ladies Night, AKA Crush Syndrome, AKA 99 Friends, AKA You're a Winner!, AKA Top Shelf Perverts, AKA WWJD?, AKA Sin Bin, and AKA 1,000 Cuts.


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Analyst Blog
PNC Financial Services Group Inc.'s (PNC - Free Report) fourth quarter 2012 adjusted earnings per share of $1.71 significantly exceeded the Zacks Consensus Estimate of $1.37. However, results were below the earnings per share of $1.74 recorded in the prior quarter.
In-Depth Zacks Research for the Tickers Above
PNC FINL SVC CP (PNC) - FREE report >>
VISA INC-A (V) - FREE report >>


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Bussiness manager ( 3 - 13 yrs)
Corporate Resources
RS2,25,000 To 3,75,000Bhagalpur, Kharagpur-Munger, Bhilai Nagar, Raipur
) Achieve Team Sales Target 2) Deliver Support To Agents Through Coaching And Act As A Role Model 3) Recruit Qualified Agents Inline With Manpower Targets Through Recruitment Support (Recruitment Agency, Ads, Telecalling, Etc) And Own Referrals...
Key Skills : sales / marketing,insurance executive,insurance associate,sales consultant,bussiness developement
Urgently Require Area Sales Manager ( 4 - 5 yrs)
Fact Consultants And Services
RS4,25,000 To 5,00,000Raipur
1.Implement sales strategy set by Head - Sales to ensure sales to achieve target 2. Prepare branch budgets pertaining to investment in sale team, marketing activities, miscellaneous branch expenses and monitor it on an ongoing basis. 3. Forecast s...
Key Skills : business executive,sales,marketing consultant,area sales manager
Required Marketing Executive - Digital Licensing ( 1 - 2 yrs)
G&r Management Consultancy Pvt Ltd
RS1,25,000 To 2,00,000Chandigarh, Raipur, Shimla, Bhopal, Chhindwara, Guna, Sagar-Sagar, Agra
Urgent Requirement for our Client T-Series Required candidature against our manpower requirement in Digital Licensing for the State of Uttar Pradesh/chandigarh/Madhya Pradesh (Agra, Shimla, Chandigarh, Raipur) what we are actually looking for: ...
Key Skills : marketing executive,marketing,marketing assistant,marketing associate,marketing consultant,marketing...
Senior Reltionship Manager ( 4 - 5 yrs)
Corporate Resources
RS3,25,000 To 3,75,000Guwahati, Patna, Chandigarh, Raipur, Ranchi, Bhubaneswar, Cuttack
Acquire & manage portfolio of Mid Market clients. Manage end to end clients engagements. Manage credit memo preparation& presentation.
Key Skills : marketing consultant,sales representative,sales officer,sales manager,sales head,business development executive


text:
About terryln1994 : I'm 18 and a high school graduate. I love my boyfriend. I love going to the beach shopping txting talking on the phone going for long car rides and going to the beach cuddling watching movies and getting my nails done and going to get tan. I love my family so much. I love to cheerlead play volleyball softball and soccer.
terryln1994's FML badges
You are connected to FML via the mobile site or an app. How modern.
Back from a party
An FML submitted on a Saturday morning between 5 and 6am can't be a good FML.
Up and coming moderator
It's nice of you to help us sort out the submissions, using FML's moderate feature.
terryln1994's favorite FMLs
Today, I got my yearbook. My sister and I are identical twins, and we realized only my sister had a picture in it. When we asked the head of yearbook, they said they thought it was the same girl trying to get two pictures, so they put in the prettier one. FML
by Rynne S. / 03/13/2012 at 2:12am / United States (Colorado) / Miscellaneous
Today, I was shopping for tampons when a cute guy came over and gave me his number. He said, "Call me in 3 to 5 days." FML
by Tristansefam1367 / 03/12/2012 at 9:11am / United States (Massachusetts) / Miscellaneous
Today, I was sexing it up with my boyfriend. Halfway through, he looked at me and said, "Y'know what you never see in a porno? Intellectual conversation. Read any good books lately?" He wouldn't keep going until I answered. FML
by eakthegeek / 01/10/2012 at 4:36am / United States / Intimacy
Today, I came across a picture of my grandpa taking a hit off a bong, while wearing nothing but a Playboy shirt. FML
by mortifiedgrandchild / 01/09/2012 at 1:53pm / United States (Florida) / Miscellaneous
Today, my 10-year-old brother got the bright idea to urinate in my oven to cool it off. My whole house smells like burnt piss. FML
by Anonymous / 12/27/2011 at 10:53am / United States (Texas) / Kids
Today, a guy tried to seduce me by talking about incest. FML
by balkangirl94 / 12/23/2011 at 2:42am / United States (Florida) / Intimacy
Today, I started undressing in front of my boyfriend. He politely said, "Excuse me, please" because I was blocking the T.V. FML
by lalala / 12/22/2011 at 12:26pm / United Kingdom (Croydon) / Intimacy
Today, I was having sex with my boyfriend, and I said something grammatically wrong during it. He chose to correct it. FML
by Nicki / 12/21/2011 at 7:30am / Canada / Intimacy
Today, my girlfriend and I were getting hot and heavy. She had her shirt off, and commented on the small size of her breasts. Trying to make her feel better, I said I dated smaller breasts. She replied by saying she'd dated bigger penises. FML
by Ryan / 12/20/2011 at 12:57pm / United States (Arizona) / Intimacy
Today, I got aroused by the vanilla scent from an unused trash bag. FML
by BKCK4187 / 12/19/2011 at 10:23pm / United States / Intimacy
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Posts Tagged with "Leona Lewis"
Leona Lewis pink ruffle bag
I love the ruffle trend as you know and I love pink. Leona Lewis was spotted with a pretty pinkish ruffle bag at the airport recently and you all wanted to know who made it. I found out. If you are into not using leather for your bags, this is the bag for you. It is not leather. It is very affordable and it is great for a trend of the season. I personally would love a more beautiful leather version of the same design, but for a fraction of the price of a leather bag, I will take it. Click the photo of the model to get it now.
Ashley Tisdale, Vanessa Minnillo, and Leona Lewis in lace dresses at the American Music Awards Show tonight
The trend at the American Music Awards tonight was festive dresses made of lace and sparkle. Ashley Tisdale in a photo with the Jonas Brothers wore a lace and satin confection. Leona Lewis and Pink also wore lace dresses. Lace is definitely a beautiful trend for the holiday season. Vanessa Minnillo was also spotted going to the Chateau Marmont later in the evening looking prim and ladylike in lace.
I love the trend, it brings back that wonderful bygone era of femininity from the 50's. Here are some of my picks for your holiday parties.
Click the photos to shop now. Some of them are on sale too.


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Broward Judge Cynthia Imperato Facing Suspension and Fine over DUI
Broward Judge Cynthia Imperato was busted for DUI in November, 2013
Mugshot via Palm Beach County Sheriff's Office
On Monday, a state judicial panel recommended that Broward Judge Cynthia Imperato be reprimanded, fined and temporarily suspended following her DUI guilty verdict from last December. Palm Beach County Judge Mark Eissey originally sentenced Imperato to 20 days of house arrest, and one year probation, following the guilty verdict on December 19. Imperato had appealed the sentence.
Imperato was busted for DUI back in November of 2013 after driving home from a social gathering with fellow judges and lawyers at Maggiano's restaurant in Boca. Imperato had admitted to having two glasses of wine, but has maintained that she wasn't impaired when cops pulled her over.
She denied an original plea deal that would have given her 12 months probation.
See also: Gisele Pollack, Broward DUI Judge, Resigns Rather Than Face Removal From Office
The latest recommendations, filed by the Judicial Qualifications Commission with the Florida Supreme Court on Monday, says that Imperato should be allowed to keep her job as a judge, but that she should be publicly reprimanded and fined $5,000. The panel also recommends a 20-day suspension without pay.
In addition, the Judicial Qualifications Commission said that Imperato should undergo an alcohol evaluation with the completion of any recommended treatment.
For her part, the AP reports that Imperato has agreed to these terms, and will have to file a formal response to the Commission. According to the recommendation, Imperato "agrees that a judge should act at all times in a manner that promotes the public confidence in the judiciary."
According to prosecutor Ari Goldberg, Imperato was visibly intoxicated on the night she was arrested. Goldberg says that Imperato's Mercedes was swerving violently on the road when cops spotted her and that the officers noted she had had a difficult time getting her wallet out of her purse. When asked for her license and registration, Imperato instead handed over her judicial badge,
The Commission recommendation says that Imperato admitted that this was a poor decision on her part. She also refused a roadside breathalyzer test.
"Judge Imperato admits that because of her position, she should not have displayed her judicial badge or referred to her status as a judge in any way that could have been perceived as an attempt to use the prestige of her office to obtain preferential treatment," the recommendation reads. "She also admits that a judge should be faithful to the law and so she should have complied with the officer's lawful commands and should have agreed to submit to a breathalyzer test."
It's up to the state's Supreme Court to accept or reject the Judicial Qualifications Commission's recommendation.
Imperato is one of a handful of Broward judges who have been allegedly caught driving impaired.
Upcoming Events
Nova Southeastern University Sharks Womens Basketball
TicketsSat., Dec. 10, 2:00pm
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Florida Panthers v Vancouver Canucks
TicketsSat., Dec. 10, 7:00pm
UberTAILGATE: Hard Rock Stadium Dolphins vs. Cardinals
TicketsSun., Dec. 11, 12:00pm
In May of 2014, Broward County circuit judge, and misdemeanor drug court judge, Gisele Pollack, who has had a history of substance abuse, including one time when she arrived to work drunk, was arrested on suspicion of driving under the influence in Plantation. Pollack resigned her position in January rather than face being fired.
Also in May of 2014, Broward Circuit Judge Lynn Rosenthal was arrested after she rammed her black BMW SUV into a parked police car in the Broward County courthouse parking lot. She claimed she had mistakenly taken some Ambien.
Also, in 2007, Judge Lawrence Korda was caught smoking pot in a park. In 2001, Judge Joyce Julian was arrested for alcohol-related incidents.
JQC recommendation Imperato.pdf by Chris Joseph
Send your story tips to the author, Chris Joseph. Follow Chris Joseph on Twitter
Get the ICYMI: Today's Top Stories Newsletter
Catch up on the day's news and stay informed with our daily digest of the most popular news, music, food and arts stories in Broward / Palm Beach, delivered to your inbox Monday through Friday.
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TicketsThu., Dec. 8, 7:30pm
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X360 Tuesday, September 20, 2005 | 12:47 AM
TGS05: Far East of Eden: Ziria trailer
TGS05: Far East of Eden: Ziria trailer
Download: MPG
All comments
this series is fantastic. every episode so far (and there´s a dozen of them) has been incredible.
but hey, go play another FPS instead!
Posted by tenniswack88"I would sell my mom for it" would have been better. Nice try, but you're banned anyway.
I like it?
I like it?
Definitely anticipated.
Classics rock.
About the game
What's up?
Top stories
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Express links
- Rockstar confirms Red Dead Redemption 2, coming Q4 2017
- inXile to launch crowdfunding campaign for Wasteland 3
- Hitman: The Complete First Season coming January 31
- Gran Turismo Sport release date delayed to 2017
- Ubisoft Motion Pictures announces "The Division" film
- Legendary to adapt Life Is Strange into digital series
- Red Dead Redemption on Xbox One Backward Compatibility
- BioShock: The Collection coming Sept. 13
- Batman: Return to Arkham delayed
- Xbox unveils Project Scorpio
- Koei Tecmo announces Berserk (working title)
- Techland officially becomes a global video game publisher
- No Man's Sky delayed to August 9
- Mass Effect: Andromeda will now ship in early 2017
- EA & Respawn developing a new Star Wars game


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American Dad! 2005 | TV Show Watchlist
Season 3, Episode 4 Lincoln Lover
First Aired: November 6, 2006
Stan wants to speak at the Republican National Convention, but the only GOP group that wants him to speak is the gay contingent. So Stan goes with the flow. Guest voices include "Queer as Folk" regulars Scott Lowell and Peter Paige, and Wilson Cruz (Logo's "Noah's Arc").
Guest Cast
Suzanne Cryer Suzanne Cryer Babette
Wilson Cruz Wilson Cruz Fan/Log Cabin Chorus Member/Hot Andew
Tom Hollander Tom Hollander Performance-Artist Lincoln/Waiter
Peter Paige Peter Paige Jason
Stark Sands Conservative Republican/Tino/Conservative No. 1
Scott Lowell Scott Lowell Brett
Next On TVSee all »
Sat Dec 10 9:30pm
Stan's Best FriendSeason 8, Episode 14 TOONI'll Watch246 Watching
Cast & Details See all »
- Premiered: February 6, 2005
- Rating: TV-14
- Premise: Cartoon antics from Seth MacFarlane ("Family Guy") about a gung-ho CIA agent (voice of MacFarlane), and his suburban family, which includes a hippie teen daughter. The zany supporting cast includes a randy pet goldfish who was once an East German spy and a… (more)
Trending TonightSee all »
Dirk Gently's Holistic Detective Agency
Dirk Gently's Holistic Detective Agency9:00 pm | BBCI'll Watch21 Watching
The Graham Norton Show10:00 pm | BBCI'll Watch17 Watching
Ghost Adventures9:00 pm | TRAVELI'll Watch12 Watching
Watch This
The Walking Dead: 3 Things That Have to Happen In the Midseason Finale
This is what The Walking Dead has to do to send us into the break the right way
American Dad!, Vol. 6
By 20th Century FoxBuy New: $10.82
American Dad! Volume Eight
By 20th Century FoxBuy New: $11.99
American Dad!, Vol. 4
By Twentieth Century FoxBuy New: $9.49
Popular Shows
Popular Movies
- 1. War Dogs
- 2. Pete's Dragon
- 3. Sausage Party
- 4. Suicide Squad
- 5. Star Trek Beyond
- 6. Jason Bourne
- 7. Captain America: Civil War
Popular Celebrities
- 1. Rami Malek
- 2. Taylor Schilling
- 3. Constance Zimmer
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Funeral Notices for Sept. 13, 2014
Read The Daily News Funeral Notices for Sept. 13
Read The Daily News Funeral Notices for Sept. 13
The quest to purchase new uniforms for the Central Montcalm High School Marching Band took a big step forward at last Friday's varsity football game. Before the game began, Sheridan VFW Post 5065 Commander Donald P. Rule and Senior Vice Commander Ronald Kessler donated a check in the amount of $2,500 toward the new uniforms.
With a brightly lit torch leading the way on a cold and cloudy Thursday, runners of the third Law Enforcement Community Torch Run made their way through downtown Greenville to help raise money for Special Olympics.
Law enforcement communities across the state of Michigan are organizing torch runs, which serve as one of multiple fundraisers law enforcement and Special Olympics have teamed up for.
When the school year started, many teachers passed out rubrics so their students would know the expectations for the class.
On Wednesday, the Central Montcalm Public School Board of Education and superintendent met at a special meeting to do a similar task.
Read The Daily News Funeral Notices for Friday, Sept. 12, 2014
A man has been hospitalized in serious condition after a rollover crash on Carson City Road (M-57) on Thursday afternoon.
Recently, I shared in this column some of the results of the Phi Delta Kappan/ Gallup Poll on the attitude of the public toward the Public Schools. Since that column was published, I have received the September issue of Phi Delta Kappan magazine which includes more detailed discussion about what we can learn from the poll.
Friday will be the first time since 2007 that the Tri County Vikings and Central Montcalm Green Hornets get together for a football game. But unlike 2007, when the Vikings won 7-0, there's more on the line in this game because both teams are in the same conference. This game counts in the Central State Activities Association Gold Division standings.
The Montabella Mustangs will not be playing a football game on Friday. At least an official game. The Mustangs were set to host Manistee Catholic Central, but the Sabers had to forfeit the game due to a lack of players. The same reason was cited when the Carson City-Crystal Eagles had two games canceled last year, one against Manistee Catholic Central and the other against Ashley.
It was a moment that will be remembered by West Michigan hockey fans for years to come. Seventeen years following the decision by the DeVos and Van Andel families to bring hockey to Grand Rapids, the city watched as the Grand Rapids Griffins prepared to close out game six of the 2013 Calder Cup Championship against the Syracuse Crunch in Syracuse, New York.


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8 of 10 people found the following review helpful
Worryingly unreliable & flaky - when it's bad, it's really bad,
This review is from: Norton Internet Security 2013 - 3 Computers, 1 Year Subscription (PC) (DVD-ROM)
Seems to work fine on some PCs and not on others. Sometimes installs fine and works ok BUT on a small number of PCs (2 out of our 12) it totally screwed the machine up. Typical problems encountered:
* Slowed the machine right down
* Prevented access to programs
* Caused machine to crash / lock up
* Refused to load on boot
* Strange program behaviour / flaky updating
* Strange "stealth" mode
There does not seem any pattern to this. One machine was running XP and the other Win7. One was a Dell and the other an Acer. there are other problems with Norton too:
* Renewing the license will cost twice as much as buying a new license key!!!
* Almost impossible to remove from a machine
* Norton's own uninstall leaves bits of code everywhere
* Norton help desk is very slow and not always helpful
* When it goes badly wrong can destroy ALL your software
To remove this software you will need to use the Win uninstall. That will get rid of the obvious stuff Then you will need to clean out the registry (I use CCleaner to do this). you will find lots of Symantec junk needs to be cleared out. Then go through all files and folders looking for Symantec & Norton. Manually delete all traces. Clear out all history files and when you have done that, install AVG or Bullguard.
Norton has problems with a small but significant number of machines. When it does go wrong it can (at best) stop the machine working properly or, (at worst) wreck the HDD to the point of having to wipe and do a fresh install. Yes, really.
On the basis that, when it goes wrong it does such damage that it's almost impossible to recover easily, I can't recommend Norton 2013. If it's pre-installed, remove it immediately. I have now removed about 20 copies of Norton from machines that have had problems.
Review Details
Location: UK
Top Reviewer Ranking: 2,045


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Junior Suite at Pueblo Bonito Sunset Beach - Beach
From $1,750 / week
Description from the owner
Description from the owner
Bedrooms: 1/
Bathrooms: 1/
Sleeps: 4/
Type: Apt. / Condo
Book this 1 bedroom, 1 bathroom apt. / condo in Cabo San Lucas today! A total of 4 people can sleep here comfortably.
Guests can enjoy a pool, hot tub, and deck among other amenities offered by this rental.
No travelers have shared a review of this property yet.
Costs vary, with the average weekly rate as low as $1,750.00, depending on travel dates.
The owner responds to 60% of inquiries, which is lower than average, and last updated the property's calendar 2 months ago, so this rental may not be available for your requested dates, but please inquire to confirm.
Proximity to TripAdvisor's Top Cabo San Lucas Attractions
Proximity to TripAdvisor's Top Cabo San Lucas Attractions
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