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Case:07-05933-MCF13 Doc#:70 Filed:09/30/10 Entered:09/30/10 10:54:18 Desc: Main

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IN THE UNITED STATES BANKRUPTCY COURT FOR 

THE DISTRICT OF PUERTO RICO 

 CASE NO. 07?05933 (SEK) 
 CHAPTER 13 

  IN THE MATTER OF: 
Luis A. Velázquez Cora                                                
Leslie Ann Torres Rodríguez 
Debtors 
 REO Properties, Corp. 
Movant 
 Luis A. Velázquez Cora                                                
Leslie Ann Torres Rodríguez 
Respondents 
 ALEJANDRO OLIVERAS RIVERA 
Respondent & Chapter 13 Trustee 
NOW  COMES  MOVANT, Quantum Servicing as Servicing Agent for REO Properties, Inc., 

 
TO THE HONORABLE COURT: 
 

MOTION FOR RELIEF FROM STAY PURSUANT 11 USC SECTION 362(d) 

 

(“Movant”) your moving party in the within Motion, through the undersigned legal representative and 

respectfully STATES and PRAYS: 

1.

2.

3.

4.

5.

6.

7.

2160 

The bankruptcy court has jurisdiction of this matter under 28 U.S.C.A. §§ 157 and 1334.  

Venue of this matter is proper in this Court pursuant to 28 U.S.C.A. §§ 1408 and 1409(a).  

This matter is a core proceeding under to 28 U.S.C.A. §157(b)2(G). 

This matter is brought under 11 U.S.C.A. §362(d)(1), (2) and Bankruptcy Rule 4001?1.  

The Movant  has the following mailing  address: PO Box 2160 Huntington, CT 06484?
On 10/11/2007,  Debtor  filed  a  voluntary  petition  under  Chapter  13  of  the  United 

The Debtor’s mailing addressed is stated in the bankruptcy petition. 

States Bankruptcy Code in the United States Bankruptcy Court for the District of Puerto Rico (Docket 1).  

Pursuant  to  the  provisions  of  11  U.S.C.A.  §362(a),  the  filing  of  Debtor’s  petition  operated  as  an 

automatic  stay  against  Movant’s  rights  as  a  secured  Movant  to  proceed  against  Debtors  and  their 

property.  As of this date, the Debtors continue in possession of their property.  

Case:07-05933-MCF13 Doc#:70 Filed:09/30/10 Entered:09/30/10 10:54:18 Desc: Main

Prior  to  filing  of  said  petition,  on 03/26/2003,  Movant  and  Debtors  executed  a  note 

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8.

(“Note”) whereby Movant agreed to lend, and did in fact lend, and Debtors agreed to borrow and pay 

back the sum of $25,500.00. A copy of the Note is attached and included as part of this Motion.  

9.

Pursuant  to  the  Promissory  Note  the  Debtors  agreed  to  pay  to  Movant  the  above?

described sum of $147,900.00 together with interests at the rate of 6.8750% per annum. 

10.

The  Note  requires  monthly  payments  of  $1,243.13.  The  term  of  the  Note  is  30  years, 

and the Note matures on 12/1/2035 

11.

The current monthly mortgage payment of $1,296.28, which changes as per a variation 

in the escrow payment amount, is due on the first of every month.  

12.

As  security  for  the  Note,  the  Debtor  took  a  mortgage  on  real  estate,  for  the  same 

amount, to the same entity and in the same date. Said mortgage is recorded with the Orange County 

Florida Registry and covers the premises located at 4238 Anthony LN Orlando, Fl 32822. A copy of said 

mortgage and title search are attached hereto. 

13.

14.

There is no other collateral securing the obligation.  

Debtor(s) have defaulted in their obligations to Movant in that they failed to make the 

payment which was due under the Note.  

15.

Since  the  filing  of  the  bankruptcy  petition,  Debtor’s  account  has  accumulated  post?

petition arrears as described herein below.  

16.

Movant informs this Honorable Court that for the hearing on this motion an appraiser’s 

testimony will not be necessary.  

17.

According  to  the  debtor’s  schedules,  the  property 

is  valued  at  $92,500.00. 

Notwithstanding  the  above,  in  the  event  that  the  value  of  said  property  is  contested  by  the  debtor, 

trustee  or  interested  party,  the  Movant  reserves  the  right  to  request  access  to  the  property  for  the 

purpose of conducting an interior appraisal to more accurately quantify its value.  The liquidation value 

of the property, calculated at such approximate value less $5,000.00 in estimated foreclosure fees and 

costs, $1,400.00 in bankruptcy fees and costs, $750.00 in estimated eviction fees and costs, $2,279.50 in 

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estimated  REO  closing  fees  and  costs  and  $8,874.00  in  estimated  real  estate  broker’s  commissions  is 

$74,196.50.  

18.

The Post?petition arrearage as to the date of this motion is $6,481.40 (5 installments @ 

$1,296.28 from 05/01/2010 – 09/01/2010 = $6,481.40). 

19.

The  anticipated  post?petition  arrearage  at  the  time  of  hearing  on  this  motion  be 

$7,777.68 ($6,481.40 + $1,296.28 = $7,777.68). 

20.

21.

The total post?petition attorney’s fees relative to this Motion of Relief are $600.00. 

Movant argues that considering what is herein above stated, cause exists for granting 

relief from Stay pursuant to section 362 d(1) and (2), supra.  

22.

Pursuant LBR 4001?1(b) Movant also informs this Honorable Court that the Movant was 

able to determine whether or not the Debtor is in military service. Attached to these documents is the 

Servicemember Declaration with the military service Affidavit.  

23.

The Movant seeks relief from Stay: 

a.

b.

c.

 

Pursuant to 11 U.S.C. 362(d)(1) for cause on the basis that the debtor has not 
made  all  of  the  required  post?petition  interest  payments,  and  that  the  debtor 
failed to provide the plaintiff with adequate protection and deprives Movant to 
have its security interest protected as provided by the Bankruptcy court; 
Pursuant to 11 USC 362 (d)(2) on the basis that the debtor has no equity in the 
subject property and the property is not necessary for effective reorganization;  

The Court waives the ten (10) day stay provided for in Rule 4001(a)(3) and allow 
relief to enter effective the date the Order is signed.  

WHEREFORE, the Movant prays that: 

 

(i)

It, and its successors and/or assigns, be granted relief from the automatic stay for the 

purpose  of  exercising  its  rights  under  its  agreements  with  the  debtor  and  under  applicable  law, 

including,  without  limitation,  taking  possession  of  the  mortgaged  premises  and  /or  foreclosing  or 

accepting  a  deed  in  lieu  of  foreclosure  of  its  mortgage  on  said  premises,  and  bringing  such  actions, 

including, without limitation, summary process proceedings, as are permissible by law; and  

(ii)

The Court shall order such other and further relief as may be just and proper.    

RESPECTFULLY SUBMITTED.  
 

Case:07-05933-MCF13 Doc#:70 Filed:09/30/10 Entered:09/30/10 10:54:18 Desc: Main

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CERTIFICATE OF SERVICE: I do hereby certify that a copy of the attached Motion for Relief was 

filed  electronically  through  the  CM/ECF  system  which  will  send  notification  to  the  parties  to  their 

registered e?mail addressed and via certified United States Mail, postage fully pre?paid and addressed 

to: Luis A. Velazquez Cora and Leslie Ann Torres Rodriguez, HC 65 BZN 6360 PATILLAS, PR 00723. 

In San Juan, Puerto Rico, this 30th day of September 2010  
 
 

Márquez & Ferrari Law Office, P.S.C. 

P.O. Box 988 

Aguadilla, PR 00605 
Tel.: (787) 891?3670 
Fax.: (787) 882?4704 

 

S/CARLA FERRARI?LUGO 

USDC?PR?221804 

 

Request for Military Status
Page 1 of 2
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Department of Defense Manpower Data Center

Sep-29-2010 12:18:31

Military Status Report
Pursuant to the Service Members Civil Relief Act

Last Name First/Middle Begin Date Active Duty Status Active Duty End Date

Service
Agency

VELAZQUEZ LUIS A. Based on the information you have furnished, the DMDC does not

possess any information indicating the individual status.

Upon searching the information data banks of the Department of Defense Manpower Data Center, based
on the information that you provided, the above is the current status of the individual as to all branches
of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast
Guard).

________________________________
Mary M. Snavely-Dixon, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593

The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the
official source of data on eligibility for military medical care and other eligibility systems.

The DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§
501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940).
DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced a small error rate. In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly
encouraged to obtain further verification of the person's status by contacting that person's Service via the
"defenselink.mil" URL http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the
person is on active duty and you fail to obtain this additional Service verification, punitive provisions of
the SCRA may be invoked against you. See 50 USC App. §521(c).

If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a
middle name), you can submit your request again at this Web site and we will provide a new certificate
for that query.

This response reflects active duty status including date the individual was last on active duty, if it was
within the preceding 367 days. For historical information, please contact the Service SCRA points-of-
contact.

https://www.dmdc.osd.mil/appj/scra/popreport.do

9/29/2010

Request for Military Status
Page 2 of 2
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Document Page 6 of 46

More information on "Active Duty Status"
Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a
period of more than 30 consecutive days. In the case of a member of the National Guard, includes
service under a call to active service authorized by the President or the Secretary of Defense for a period
of more than 30 consecutive days under 32 USC § 502(f) for purposes of responding to a national
emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR)
members must be assigned against an authorized mobilization position in the unit they support. This
includes Navy TARs, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a
Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health
Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a
period of more than 30 consecutive days.

Coverage Under the SCRA is Broader in Some Cases
Coverage under the SCRA is broader in some cases and includes some categories of persons on active
duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate.

Many times orders are amended to extend the period of active duty, which would extend SCRA
protections. Persons seeking to rely on this website certification should check to make sure the orders on
which SCRA protections are based have not been amended to extend the inclusive dates of service.
Furthermore, some protections of the SCRA may extend to persons who have received orders to report
for active duty or to be inducted, but who have not actually begun active duty or actually reported for
induction. The Last Date on Active Duty entry is important because a number of protections of SCRA
extend beyond the last dates of active duty.

Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights
guaranteed to Service members under the SCRA are protected.

WARNING: This certificate was provided based on a name and SSN provided by the requester.
Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID:KM8L5SFUP0

https://www.dmdc.osd.mil/appj/scra/popreport.do

9/29/2010

Request for Military Status
Page 1 of 2
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Department of Defense Manpower Data Center

Sep-29-2010 12:20:04

Military Status Report
Pursuant to the Service Members Civil Relief Act

Service
Last
Name First/Middle Begin Date Active Duty Status Active Duty End Date
Agency
TORRES LESLIE A. Based on the information you have furnished, the DMDC does not possess

any information indicating the individual status.

Upon searching the information data banks of the Department of Defense Manpower Data Center, based
on the information that you provided, the above is the current status of the individual as to all branches
of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast
Guard).

________________________________
Mary M. Snavely-Dixon, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593

The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the
official source of data on eligibility for military medical care and other eligibility systems.

The DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§
501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940).
DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced a small error rate. In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly
encouraged to obtain further verification of the person's status by contacting that person's Service via the
"defenselink.mil" URL http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the
person is on active duty and you fail to obtain this additional Service verification, punitive provisions of
the SCRA may be invoked against you. See 50 USC App. §521(c).

If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a
middle name), you can submit your request again at this Web site and we will provide a new certificate
for that query.

This response reflects active duty status including date the individual was last on active duty, if it was
within the preceding 367 days. For historical information, please contact the Service SCRA points-of-
contact.

https://www.dmdc.osd.mil/appj/scra/popreport.do

9/29/2010

Request for Military Status
Page 2 of 2
Case:07-05933-MCF13 Doc#:70 Filed:09/30/10 Entered:09/30/10 10:54:18 Desc: Main

Document Page 8 of 46

More information on "Active Duty Status"
Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a
period of more than 30 consecutive days. In the case of a member of the National Guard, includes
service under a call to active service authorized by the President or the Secretary of Defense for a period
of more than 30 consecutive days under 32 USC § 502(f) for purposes of responding to a national
emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR)
members must be assigned against an authorized mobilization position in the unit they support. This
includes Navy TARs, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a
Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health
Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a
period of more than 30 consecutive days.

Coverage Under the SCRA is Broader in Some Cases
Coverage under the SCRA is broader in some cases and includes some categories of persons on active
duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate.

Many times orders are amended to extend the period of active duty, which would extend SCRA
protections. Persons seeking to rely on this website certification should check to make sure the orders on
which SCRA protections are based have not been amended to extend the inclusive dates of service.
Furthermore, some protections of the SCRA may extend to persons who have received orders to report
for active duty or to be inducted, but who have not actually begun active duty or actually reported for
induction. The Last Date on Active Duty entry is important because a number of protections of SCRA
extend beyond the last dates of active duty.

Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights
guaranteed to Service members under the SCRA are protected.

WARNING: This certificate was provided based on a name and SSN provided by the requester.
Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID:PFPDD5KN83

https://www.dmdc.osd.mil/appj/scra/popreport.do

9/29/2010

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ESTUDIO DE TITULO






: ABLITT LAW OFFICES, P.C.


A

CASO

FINCA
Registro de la Propiedad, Sección de Guayama

: LUIS ALFONSO VELAZQUEZ CORA

: No. 7,924, inscrita al Folio 104, del Tomo 178 de Patillas







24-07-F172



Descripción : RUSTICA: Parcela marcada con el No. 88 del Plano de parcelación de la
Comunidad Rural Pollos II del Barrio Pollos del término Municipal de Patillas, con una
cabida superficial de 418.03 metros cuadrados. En lindes por el NORTE, con parcela #
92 y 87 de la comunidad; por el SUR, con parcela 89 de la comunidad; por el ESTE, con
parcela 87 y Calle # 5 de la comunidad; y por el OESTE, con parcelas 89 y 91 de la
comunidad.

Tracto Registral: Se segrega de la finca # 6,990, inscrita al folio 266 del tomo 156 de
Patillas.

Dominio: Consta inscrita a favor de LUIS ALFONSO VELAZQUEZ CORA y su esposa
LESLIE ANN TORRES RODRIGUEZ, quienes adquieren por segregación y compra venta
al Estado Libre Asociado de Puerto Rico, por el precio de $1.00; mediante Certificación
dada en San Juan el 2 de febrero de 1990, por Angel David Dávila, Director Ejecutivo del
Area de Desarrollo Social, Departamento de la Vivienda; inscrita al Folio 104 del Tomo
178, finca # 7,924 de Patillas, inscripción primera.

Gravámenes:

Por su procedencia: se encuentra libre de cargas.

Por si:

1. Hipoteca en garantía de un pagaré a favor de Doral Mortgage Corporation, o a su
orden, por la suma de $25,500.00, intereses al 9.95 % anual, vencedera el 1 de abril de
2018; constituida mediante escritura # 66, otorgada en Guayama el 26 de marzo de 2003,
ante el notario Roberto E. Dávila López; inscrita al Folio 215 del Tomo 219, finca # 7,924
de Patillas, inscripción tercera.

Revisados: Registros Embargos Estatales, Sentencias, Contribuciones Federales y
Bitácora electrónica, se refiere al día de la fecha, antes de la apertura del libro de diario.
19 de enero de 2010.



Migdalia Vega García
Investigadora de Títulos

Nota: no somos responsables de los errores u omisiones del sistema de bitácora electrónica





Case:07-05933-MCF13 Doc#:70 Filed:09/30/10 Entered:09/30/10 10:54:18 Desc: Main

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