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m m m m m m m
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s.m FalconemsaidmthatmhemrepresentedmBankmofm
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munderm themnewmloan,mwhichmwasmhighermthan
mthemcouple’sm originalmpayments.mThemhomeown
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ersmlatermfiledmam lawsuitmagainstmFalconemandm
CountrywidemBank,m allegingmfraud.mThemtrialmco TrialmCourts Trialmcourtsmaremcourtsmofmoriginalmjurisdictionminmwhichmactionsmareminitiated.
urtmdismissedmthemsuit,mandm themappellatemcour 1. Statemcourts—
tmupheldmthemdismissalmbecausemthem homeowner Courtsmofmgeneralmjurisdictionmcanmhearmanymcasemthatmhasmnotmbeen
smhadmbeenmgivenmthemopportunitymtomreadm all m specificallymdesignatedmformanothermcourt;mcourtsmofmlimitedmjurisdictio
m ofm them relevantm documents,m butm hadm notm do nminclude,m amongmothers,mdomesticmrelationsmcourts,mprobatemcourts,m
municipalmcourts,mandm smallmclaimsmcourts.
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ndmothersm shownminmExhibitm2–2monmpagem38.
Intermediatem Courtsmofmappealsmaremreviewingmcourts;mgenerally,mappellatemcourtsmdomnot
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s fourthsmofmthemstatesmhavemintermediatemappellatemcourts;m inmthemfederalmc
ourtmsystem,mthemU.S.mcircuitmcourtsmofmappealsmaremthemintermediatem appe
llatemcourts.
SuprememCourts Themhighestmstatemcourtmismthatmstate’smsuprememcourt,malthoughmitmmaym
bemcalledmbym somemothermname.mAppealmfrommstatemsuprememcourtsmtomt
hemUnitedmStatesmSupremem Courtmismpossiblemonlymifmamfederalmquestionmi
sminvolved.mThemUnitedmStatesmSupremem Courtmismthemhighestmcourtminmt
hemfederalmcourtmsystemmandmthemfinalmarbitermofmthem Constitutionmandmf
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9– 9–6.mCASEmPROBLEMmWITHmSAMPLEmANSWER:mCreditmCards.
2.mPropertymCrimesmWhich,mifmany,mofmthemfollowin OleksiymSharapkamorderedmmerchandisemonlin
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(d) Larceny mRussia.m Sharapkamwasmindictedminmamfederalmdistric
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gentsmfoundminmhismpossession,m amongmothermthings
9–3.mQUESTIONmWITHmSAMPLEmANSWER:mCybermScam.
,mmoremthanmthreemhundredmstolenmcredit-
Kayla,mamstudentmatmLearnwellmUniversit m cardmnumbers,mincludingmnumbersmissuedmbymAme
y,mowes ricanm Express.mTheremwasmevidencemthatmhemhadmu
$20,000minmunpaidmtuition.mIfmKaylamdoe sedmmoremthanmtenm ofmthemAmericanmExpressmnum
smnotm paym them tuition,m Learnwellm will bersmtombuymgoodsmworthm betweenm$400,000mand
m notm allowm herm tom graduate.m Tom obt m$1mmillionmfrommatmleastmfourteenm vendors.mDid
ainm them fundsm tom paym the mSharapkamcommitmanymcrimes?mIfmso,mwhomwere
debt,mshemsendsme- m hismvictims?mExplain.m[mUnitedmStatesmv.mSharapk
mailmlettersmtompeoplemthatmshemdoesmnotm perso a,m526mF.3dm 58m(1stmCir.m2008)]
nallymknowmaskingmformfinancialmhelpmtomsendmMi
lo,m herm disabledm child,m tom am specialm school.m I sampleman
nm reality,m Kayla
smnomchildrenm Ismthismamcrime?mI
SamplemanswersmtomselectedmQuestionsmandmCasemProblemsmarem
availableminmthismbook’smAppendixmImandmatmthemCompanionmWebmSi
te.mAtm them endm ofm everym chapterm inm thism book,m you’llm findm am greatm var
ietym ofmquestionsmandmcasemproblemsmthatmhelpmyoumretainmandmapplymwhat
myou’vem learned.mWe’vemprovidedmsamplemanswersmatmthembackm ofmthemboo
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mthemeBookmand/ormeChapter(s).
Editorialmreviewmhasmdeemedmthatmanymsuppressedmcontentmdoesmnotmmateriallymaffectmthemoverallmlearningmexperience.mCengagemLearningmreservesmthemrightmtomremovemadditionalmcontentmatmanymtimemif
, kmandmatm www.cengage.com/blaw/clarksonmtomselectedmQuestionsmandmCa
semProblemsmsomyoumcanmcomparemthemauthors’manswersmtomyours.
Copyrightm2010mCengagemLearning.mAllmRightsmReserved.mMaymnotmbemcopied,mscanned,mormduplicated,minmwholemorminmpart.mDuemtomelectronicmrights,msomemthirdmpartymcontentmmaymbemsuppressedmfrom
mthemeBookmand/ormeChapter(s).
Editorialmreviewmhasmdeemedmthatmanymsuppressedmcontentmdoesmnotmmateriallymaffectmthemoverallmlearningmexperience.mCengagemLearningmreservesmthemrightmtomremovemadditionalmcontentmatmanymtimemif
, Licensedmto:m iChaptersmUser
In the STUDY GUIDE . . .
m m m m m m
resources to ace every test m m m m
Whatmbettermwaymtomstudymformamtestmthanm
withm amStudymGuidempreparedmbymthemco-
authormofmthismtextbook.mWrittenmbymRogerm StudymGuide
LeRoymMillermandmWilliammEricmHollowell,mt
hismcomprehensivemresourcemincludes:
► Briefmintroductionsmandmoutlinesmformeve
rymchapter
► True-false,mfill-in-the-blank,mandmmultiple-
choicemquestionsmformeverymchapter,masmwellmas
mshortm essaymproblemsmtomhelpmyoumtestmyours
elf
► Issuem Spottersm thatm focusm yourm study
► Samplem CPAm examm questions
► AnmappendixmatmthemendmofmthemStudymG
uidemcontainingmanswersmtomallmquestio
nsmandmIssuemSpotters
Bookstoremdoesn’tmcarrymthemStudymGuide WILLIAMm ERICm HOLLOWELLm |m ROGERm LEROYm MILLER
?mYoumcanmgetmitmonlinem(ISBN:m0-538-47277-
7)matmwww.cengagebrain.com.
Visitmthismbook’smCompanionmWebmSitem
formmanymadditionalmstudymtoolsmww
w.cengage.com/blaw/clarkson
AnswersmtomselectedmCasemProblemsmfro
mm thismtextbook
Copyrightm2010mCengagemLearning.mAllmRightsmReserved.mMaymnotmbemcopied,mscanned,mormduplicated,minmwholemorminmpart.mDuemtomelectronicmrights,msomemthirdmpartymcontentmmaymbemsuppressedmfrom
mthemeBookmand/ormeChapter(s).
Editorialmreviewmhasmdeemedmthatmanymsuppressedmcontentmdoesmnotmmateriallymaffectmthemoverallmlearningmexperience.mCengagemLearningmreservesmthemrightmtomremovemadditionalmcontentmatmanymtimemif
,Licensedmto:m iChaptersmUser
In this book . . . STUDY TOOLS
m m m m m m m
that help you make the grade
m m m m m
mCASmEmImNmPOINTmmPatriciam Ostolazam andm Em ShortmCaseminmPointmexampl
Josém Diazm ownedm am homem onm whichm they
m hadm twom mortgagem loansmandmamhomemequi
esm m m m m m
tymlinemofmcreditmprovidedmbym BankmofmAmeric m
a.mAnthonymFalconemcalledmthemmandm saidmthat
mhemcouldmrefinancemtheirmmortgagesminmam ma
nnermthatmwouldmreducemtheirmmonthlympayment
s.m FalconemsaidmthatmhemrepresentedmBankmofm
Americam whenminmfactmhemrepresentedmCountry ▼m ConceptmSummarymboxesmlocatedmatmkeympointsminmea
widemHomem Loans,mInc.mAtmthemclosingmofmthe
mnewmloan,mthemhom-
chmchaptermhelpmyoumreviewmmoremeffectivelymformexam
m eownersmweremgivenmallmofmthemrelevantmdocu
ments,m includingmthemTILAmdisclosuremstatement.
s.
mThemdocu- m mm m m m
m mentsmaccuratelymstatedmthemmonthlympayment m
munderm themnewmloan,mwhichmwasmhighermthan
mthemcouple’sm originalmpayments.mThemhomeown
Typemofm Court Description
ersmlatermfiledmam lawsuitmagainstmFalconemandm
CountrywidemBank,m allegingmfraud.mThemtrialmco TrialmCourts Trialmcourtsmaremcourtsmofmoriginalmjurisdictionminmwhichmactionsmareminitiated.
urtmdismissedmthemsuit,mandm themappellatemcour 1. Statemcourts—
tmupheldmthemdismissalmbecausemthem homeowner Courtsmofmgeneralmjurisdictionmcanmhearmanymcasemthatmhasmnotmbeen
smhadmbeenmgivenmthemopportunitymtomreadm all m specificallymdesignatedmformanothermcourt;mcourtsmofmlimitedmjurisdictio
m ofm them relevantm documents,m butm hadm notm do nminclude,m amongmothers,mdomesticmrelationsmcourts,mprobatemcourts,m
municipalmcourts,mandm smallmclaimsmcourts.
2. Federalmcourts—
Themfederalmdistrictmcourtmismthemequivalentmofmthemstatemtrialmcourt.m F
ederalmcourtsmofmlimitedmjurisdictionmincludemthembankruptcymcourtsma
ndmothersm shownminmExhibitm2–2monmpagem38.
Intermediatem Courtsmofmappealsmaremreviewingmcourts;mgenerally,mappellatemcourtsmdomnot
AppellatemCourt mhavemorigi-m nalmjurisdiction.mAboutmthree-
s fourthsmofmthemstatesmhavemintermediatemappellatemcourts;m inmthemfederalmc
ourtmsystem,mthemU.S.mcircuitmcourtsmofmappealsmaremthemintermediatem appe
llatemcourts.
SuprememCourts Themhighestmstatemcourtmismthatmstate’smsuprememcourt,malthoughmitmmaym
bemcalledmbym somemothermname.mAppealmfrommstatemsuprememcourtsmtomt
hemUnitedmStatesmSupremem Courtmismpossiblemonlymifmamfederalmquestionmi
sminvolved.mThemUnitedmStatesmSupremem Courtmismthemhighestmcourtminmt
hemfederalmcourtmsystemmandmthemfinalmarbitermofmthem Constitutionmandmf
ederalmlaw.
198m UNITm T mWOm TORTSm ANDm CRIMES
9– 9–6.mCASEmPROBLEMmWITHmSAMPLEmANSWER:mCreditmCards.
2.mPropertymCrimesmWhich,mifmany,mofmthemfollowin OleksiymSharapkamorderedmmerchandisemonlin
gmcrimesm necessarilyminvolvesmillegalmactivitymonm em usingmstolenmcreditmcards.mHemhadmthemi
thempartmofmmorem thanmonemperson? temsmsentmtom outletsmofmMailmBoxes,mEtc.,m
(a) Bribery andmthenmarrangedmform someonemtomdeliver
(b) Forgery mthemitemsmtomhismhouse.mHemsub-
(c) Embezzlement sequentlymshippedmthemgoodsmoverseas,mprimarilymto
(d) Larceny mRussia.m Sharapkamwasmindictedminmamfederalmdistric
(e) Receivingm stolenm property tmcourt.mAtmthemtimem ofmhismarrest,mgovernmentma
gentsmfoundminmhismpossession,m amongmothermthings
9–3.mQUESTIONmWITHmSAMPLEmANSWER:mCybermScam.
,mmoremthanmthreemhundredmstolenmcredit-
Kayla,mamstudentmatmLearnwellmUniversit m cardmnumbers,mincludingmnumbersmissuedmbymAme
y,mowes ricanm Express.mTheremwasmevidencemthatmhemhadmu
$20,000minmunpaidmtuition.mIfmKaylamdoe sedmmoremthanmtenm ofmthemAmericanmExpressmnum
smnotm paym them tuition,m Learnwellm will bersmtombuymgoodsmworthm betweenm$400,000mand
m notm allowm herm tom graduate.m Tom obt m$1mmillionmfrommatmleastmfourteenm vendors.mDid
ainm them fundsm tom paym the mSharapkamcommitmanymcrimes?mIfmso,mwhomwere
debt,mshemsendsme- m hismvictims?mExplain.m[mUnitedmStatesmv.mSharapk
mailmlettersmtompeoplemthatmshemdoesmnotm perso a,m526mF.3dm 58m(1stmCir.m2008)]
nallymknowmaskingmformfinancialmhelpmtomsendmMi
lo,m herm disabledm child,m tom am specialm school.m I sampleman
nm reality,m Kayla
smnomchildrenm Ismthismamcrime?mI
SamplemanswersmtomselectedmQuestionsmandmCasemProblemsmarem
availableminmthismbook’smAppendixmImandmatmthemCompanionmWebmSi
te.mAtm them endm ofm everym chapterm inm thism book,m you’llm findm am greatm var
ietym ofmquestionsmandmcasemproblemsmthatmhelpmyoumretainmandmapplymwhat
myou’vem learned.mWe’vemprovidedmsamplemanswersmatmthembackm ofmthemboo
Copyrightm2010mCengagemLearning.mAllmRightsmReserved.mMaymnotmbemcopied,mscanned,mormduplicated,minmwholemorminmpart.mDuemtomelectronicmrights,msomemthirdmpartymcontentmmaymbemsuppressedmfrom
mthemeBookmand/ormeChapter(s).
Editorialmreviewmhasmdeemedmthatmanymsuppressedmcontentmdoesmnotmmateriallymaffectmthemoverallmlearningmexperience.mCengagemLearningmreservesmthemrightmtomremovemadditionalmcontentmatmanymtimemif
, kmandmatm www.cengage.com/blaw/clarksonmtomselectedmQuestionsmandmCa
semProblemsmsomyoumcanmcomparemthemauthors’manswersmtomyours.
Copyrightm2010mCengagemLearning.mAllmRightsmReserved.mMaymnotmbemcopied,mscanned,mormduplicated,minmwholemorminmpart.mDuemtomelectronicmrights,msomemthirdmpartymcontentmmaymbemsuppressedmfrom
mthemeBookmand/ormeChapter(s).
Editorialmreviewmhasmdeemedmthatmanymsuppressedmcontentmdoesmnotmmateriallymaffectmthemoverallmlearningmexperience.mCengagemLearningmreservesmthemrightmtomremovemadditionalmcontentmatmanymtimemif
, Licensedmto:m iChaptersmUser
In the STUDY GUIDE . . .
m m m m m m
resources to ace every test m m m m
Whatmbettermwaymtomstudymformamtestmthanm
withm amStudymGuidempreparedmbymthemco-
authormofmthismtextbook.mWrittenmbymRogerm StudymGuide
LeRoymMillermandmWilliammEricmHollowell,mt
hismcomprehensivemresourcemincludes:
► Briefmintroductionsmandmoutlinesmformeve
rymchapter
► True-false,mfill-in-the-blank,mandmmultiple-
choicemquestionsmformeverymchapter,masmwellmas
mshortm essaymproblemsmtomhelpmyoumtestmyours
elf
► Issuem Spottersm thatm focusm yourm study
► Samplem CPAm examm questions
► AnmappendixmatmthemendmofmthemStudymG
uidemcontainingmanswersmtomallmquestio
nsmandmIssuemSpotters
Bookstoremdoesn’tmcarrymthemStudymGuide WILLIAMm ERICm HOLLOWELLm |m ROGERm LEROYm MILLER
?mYoumcanmgetmitmonlinem(ISBN:m0-538-47277-
7)matmwww.cengagebrain.com.
Visitmthismbook’smCompanionmWebmSitem
formmanymadditionalmstudymtoolsmww
w.cengage.com/blaw/clarkson
AnswersmtomselectedmCasemProblemsmfro
mm thismtextbook
Copyrightm2010mCengagemLearning.mAllmRightsmReserved.mMaymnotmbemcopied,mscanned,mormduplicated,minmwholemorminmpart.mDuemtomelectronicmrights,msomemthirdmpartymcontentmmaymbemsuppressedmfrom
mthemeBookmand/ormeChapter(s).
Editorialmreviewmhasmdeemedmthatmanymsuppressedmcontentmdoesmnotmmateriallymaffectmthemoverallmlearningmexperience.mCengagemLearningmreservesmthemrightmtomremovemadditionalmcontentmatmanymtimemif
