Law of Agency - LREC Real Estate Disclosures about Potential Lead Hazards | US EPA If there are problems down the road, you can often rely on theinspector's reportin claiming that you didn't know of a problem when you made your real estate disclosures. What does it mean when theres no check mark? property has been stigmatized in the public eye by dramatic circumstances such as a murder or other violent crime, hauntings or supernatural phenomena, suicide, or other serious criminal activity (more than a mere burglary). Please click here to see any active alerts. ), If the home is subject to a homeowners association (HOA), Nearby toxic materials, like contaminated soil, By providing disclosures before you have a buyer (like in your. Fact Sheet: Disclosure of Lead-Based Paint Hazards in Housing (PDF). Some states are incredibly strict about seller disclosures, while others have so few regulations, buyers are pretty much purchasing at their own risk. Strict liability means that the owner is responsible to the injured party without excuse. If youre working on your own, you may have to find a form online or create it from scratch. The answer is capped with soil for aesthetic reasons. Its a required form in real estate transactions and outlines any problems with a property that would impact the homes value or safety. Although the threat of a lawsuit can be scary, theres one thing you dont have to worry about: The courts wont hold you accountable for failing to disclose issues youre unaware of. For multi-unit buildings, this requirement includes records and reports concerning common areas and other units when such information was obtained as a result of a building-wide evaluation. Thus, it is the sellers duty to disclose all material defects that may affect the monetary value of the house to the prospective buyer. Your state real estate association or board may have documents, often in checklist form, that list the disclosures required in your state. No, sellers are not legally required to make disclosures pertaining to the occurrence of prior death in the house. and plan your strategy. The answer is common law is being used for further interpretation. In Arkansas, its also buyer beware unless the seller tells an outright lie about the home. Groundwater that exists under the earth's surface forms the water table, which is Homebuyers and renters have important rights to know about whether lead is present -- before signing contracts or leases. home appliances. 12 CFR Part 1026 - Truth in Lending (Regulation Z) 1560 Broadway, Suite 925Denver, CO 80202. In a situation like that, it can be tempting to just guess or come up with an average. Zillow (Canada), Inc. holds real estate brokerage licenses in multiple provinces. 442-H New York Standard Operating Procedures New York Fair Housing NoticeTREC: Information about brokerage services, Consumer protection noticeCalifornia DRE #1522444Contact Zillow, Inc. One of the biggest mistakes a seller can make is not giving disclosures at all. A lock (LockA locked padlock) or https:// means youve safely connected to the .gov website. Some sellers balk, knowing that once they get the report back, they'll have to disclose what was discovered to potential buyers; in fact, they'll likely need to give them a copy of the actual report. The three (3) applicable Sellers Property Disclosure (SPD) forms can be found on the Divisions website under Commission Approved Contracts and Forms. If the seller has lied on the Disclosure Statement then the buyer can proceed to sue such a seller and claim damages including costs of repairs. A) Beyond this, however, most states' laws require sellers to take a proactive . local municipalities are establishing their own interpretation. low humidity. Real Estate Housing Market: Will the Housing Market Crash? Gifting or transferring of a property, usually between relatives, Business transfers, usually in cases where two or more investors co-own a rental property. In other words, you don't usually need to hire inspectors to turn up problems you never had an inkling existed. The answer is trapped and concentrated in inadequately ventilated areas. C. When selling real estate, its important to understand your legal responsibilities as a seller, and one of those obligations is honest disclosures. Here are eight common real estate seller disclosures to be aware of, whether you're on the buyer's side or the seller's side. containment. The property buyers have an interest in getting the deal closed as well, and often overlook minor issues. piling waste into a hill at surface level and covering with clay. If you're selling a home, you need to make sure you are forthcoming about certain facts and conditions, such as the presence of termites or water damage to the property. creates distress and confusion among sellers. Also Read: Foreclosure in Tennessee Read our blog to know how to stop foreclosures in Tennessee. Groundwater that exists under the earth's surface within the tiny spaces or crevices in geological formations forms the water table, the natural level at which the ground becomes saturated. A) must occur at a specific time during escrow. Here are four things you need to know about property disclosure statements. The answer is liquid petroleum tanks that store at least 10% of their volume underground be in compliance. Any previous or current sinkholes on the property must be thoroughly disclosed and discussed before signing any contract. Interpretive Guidance for the Real Estate Community on the Requirements for Disclosure of Information Concerning Lead-based Paint in Housing. If you have a concern about possible lead-based paint, then get a. If your home does not sell and you are in a position to continue living in it, knowing that you repaired problems can benefit your own safety and peace of mind as well. There are two times during the listing and selling process when it may be appropriate to provide disclosures, before listing your home or after accepting an offer. Radon poses the greatest potential health risk to people when it is This information may be different than what you see when you visit a financial institution, service provider or . Seller's Disclosure: What Home Sellers Must Reveal - NerdWallet Especially if you want to avoid a lawsuit down the line. Although weve established the importance of disclosure for purchase and sale agreements, theres a possibility that the seller may not know that a defect exists. An attachment to the contract, or language inserted in the contract, that includes a "Lead Warning Statement" and confirms that the landlord has complied with all notification requirements. Ask questions when in doubt. Seller's Property disclosure (Residential) (SPD19) Seller's Property Disclosure (Land) (SPD19L), Seller's Property Disclosure (Commercial) (SPD19C). Most state laws prescribe that the disclosures should be provided before closing. Underground storage tanks (USTs) are commonly found on sites where petroleum products are used or where gas stations and auto repair shops are or were located. The lack of trust between a buyer and seller can demotivate a buyer from considering your property altogether. There are only a few federally mandated disclosures, but overall, disclosure requirements fall under state law, and the requirements vary state by state. How does it affect your evaluation? For example, if there was a health hazard, you could be required to pay for medical bills. In the home financing context, theReal Estate Settlement Procedures Act (RESPA)requires lenders to comply with disclosure laws to ensure fairness for consumers. only a landowner with prior knowledge may be held responsible. The answer is low humidity. C) The answer is and may not comply with federal and state laws. Moving with Kids: Tips for Telling Them, Packing, Moving and Coping. Sellers should disclose anything and everything they can think of, says Adam Buck, a certified real estate specialist with the Frutkin Law Firm in Arizona. All three were used in insulating materials. may be several hundred feet underground or near the surface. A lead disclosure attachment to the lease, or language inserted in the lease, that includes a "Lead Warning Statement" and confirms that you have complied with all notification requirements. never owned by private enterprise. All of the following are true about underground water contamination EXCEPT. Finally, be aware that real estate agents are increasingly requiring that sellers complete disclosure forms, regardless of whether or not it's legally required in their state. You can also opt for a pre-inspection before listing. Honesty, accuracy and transparency are of utmost importance when selling your house. Houzeos cutting edge technology automatically provides you with the necessary disclosures, curated to match your property and location. Measurements of the home. If your disclosure statement includes lead paint, make sure the disclosures are signed, and keep copies for at least three years. With the exception of the innocent landowner, liability under the Superfund is. C) The risk of using the form are nominal, and the benefits are great. FindLaw.com Free, trusted legal information for consumers and legal professionals, SuperLawyers.com Directory of U.S. attorneys with the exclusive Super Lawyers rating, Abogado.com The #1 Spanish-language legal website for consumers, LawInfo.com Nationwide attorney directory and legal consumer resources. D) B) The email address cannot be subscribed. The seller shall also make lead-based paint and methamphetamine production disclosures to a prospective buyer. Houzeo is not a brokerage or a licensed agent. Also Read:Tennessee Home Inspector Find out the best home inspectors in Tennessee. Even after closing, you may be required to go back and pay for repairs on the property related to the known defect. 47E-4.1. The answer is the landowner might still be held responsible. C) What is the dollar return that could be earned on these savings? B) That leaves out average wear and tear, such as a scratched tile or loose doorknob. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. in addition, knowing that there is a defect allows the broker to effectively Market the property "as is," disclosing the defects and therefore limiting liability for both the seller (they sometimes Overlook potential liability and their eagerness to sell) and the broker, CH12 Leasehold Estates and Property Managemen, CH 10 Public Private Land Use Controls 2023, Alexander Holmes, Barbara Illowsky, Susan Dean. The water table If you are selling a house built before 1978, you must comply with a federal law called the Residential Lead-Based Paint Hazard Reduction Act of 1992 (U.S. Code 4852d), also known as Title X. Undisclosed facts are material if a consumers decision might have been different had the truth been disclosed. C) trapped and concentrated in inadequately ventilated areas. The Seller's Property Disclosure (SPD) is an important disclosure form for the real estate broker to discuss with their respective client. But all three of these materials were once used in residential construction. Please try again. emitted by malfunctioning or inadequately ventilated appliances. Death in the Home Some buyers have concerns or superstitions. Waste disposal sites are New California law requires seller of home to disclose vulnerability to A) The answer is they were all used at one time in residential construction. A) The seller may offer a 10-day period for the buyer to complete a paint inspection or risk assessment for lead-based paint or lead-based hazards. That means that you generally don't need to hire a home inspector to inspect your property. The content on this site is not intended to provide legal, financial or real estate advice. Even though its a minor issue, you must disclose it. Warren Christopher Freiberg is an attorney and freelance writer living in Chicago. Although no remediation of the property is required, a lead-based paint warning disclosure statement must be completed and signed by the parties and a copy attached to any sales contract or lease for a residential property built before 1978. appliances. (See Getting a Home Inspection.) Tennessee Sellers Disclosures Statements are a little complicated. Her insurance company has contracts with the hospital that will lower the amount that has to be paid. Explain your decisions. encapsulation. Find areal estate attorneynear you to learn more. The Division of Real Estate bimonthly email update is designed to provide Division news, information on upcoming public meetings, rulemaking hearings, and registration links for education webinars. The EPA requires that sellers or landlords must disclose known information on lead-based paint and hazards for residential buildings built before 1978. While compliance in this context applies to banks and brokers, it is useful for you as a seller or borrower to be aware that some disclosures involved in the purchase process are a matter of right. Even though most states don't require it, it can be helpful to hire someone to inspect your property before a sale. 2. Review the SPD form for completeness before disseminating it. An exception is made for the innocent landowner who had no actual or constructive knowledge of the damage at the time the property was purchased. d. $100,000. excellent results and very few consumer complaints. Maybe a window leaks a little bit when it rains or the basement just barely floods every now and then. While a seller needs to be truthful, their agent also needs to investigate to make sure all known hazards and defects are fully disclosed to potential buyers. Protect Your Family From Lead In Your Home (PDF), lead inspection from a certified inspector, SampleLessor's Disclosure of Information, Read the regulations that includes these requirements, Evaluating & Eliminating Lead-Based Paint Hazards. Seller's disclosures serve the following purpose in real estate transactions: Tennessee Real Estate Disclosure Laws Specific federal and state laws govern the home sellers in relation to the sale of their residential property. A) This type of sale puts the burden of any issues on the buyer, with the exception of latent defects that the buyer wouldnt see and could be a health and safety concern. Sapol Recruitment Process, Four Methods Of Conducting A Reconnaissance Usmc, City Of Philadelphia Pension Plan 16, National Merchants Association Lawsuit, Has Anyone Been Attacked On Alone, Articles M
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most seller property disclosures are required for quizlet

most seller property disclosures are required for quizlet

Failure to disclose material defects or lying on the Disclosure form could result in the loss of a sale or severe legal action consequences. Wrapping or enclosing with an airtight covering is encapsulating. The broker should never fill out this form for the seller, however, the broker should review the form to make sure it is accurate to the brokers knowledge. The next sentence of this introductory paragraph states: Any changes must be disclosed by Seller to Buyer promptly after discovery. The common definition of promptly means without delay, very quickly or immediately. In addition, the agent is responsible, along with the seller or lessor, if the seller or lessor fails to comply; unless the failure involves specific lead-based paint or lead-based paint hazard information that the seller or lessor did not disclose to the agent. While it's not usually required, some sellers hire a property inspector to look things over before they put the house on the market. C) Return to Zillow.com. D) D) It takes Cookie Cutter Modular Homes, Inc., about six days to receive and deposit checks from customers. Parties may mutually agree, in writing, to lengthen or shorten the time period for inspection. Schedule an appointment (Appointments are required for in-person services). USTs. After all, youve learned to live with those things, so the buyer should be able to deal with them, too, right? The disclosure shall be conspicuous, shall be in boldface type, and shall be as follows: Having viewed the property, inquire to the seller as to any apparently missing or contradictory information. As owners, landlords, agentsand managers of rental property, you play an important role in protecting the health of your tenants and their children. C) The broker should not take a hands off attitude concerning the SPD form. may occur at any stage in a transaction. Sellers must fill out and give the buyers a disclosure form listing a broad range of defects, such as a leaky roof, deaths that occurred within three years on the property, neighborhood nuisances such as a dog that barks every night, and more. It usually runs concurrent to the inspection period, which helps the buyers inspector know what to look for. This is considered a major defect that can cause wood rot or moisture that may affect the homes present value. When the buyers sues, the broker is often a defendant because the seller is gone and the broker marketed the property. The answer is the natural level at which the ground becomes saturated. The owner should inform the buyer of any percolation tests that are accepted by the Tennessee Department of Environment and Conservation. Homes built before 1978 require a lead-based paint disclosure, on the basis of the Residential Lead-Based Paint Hazard Reduction Act of 1992 Title X. Too Many Disclosures Giving You A Headache? Shirly Ngo spends four days in a local private not-for-private hospital. In general, you have an obligation to disclose potential problems and material defects that could affect the value of the property you're trying to sell. Regarding the federal Lead-Based Paint Hazard Reduction Act, which statement is TRUE? For multi-unit buildings this requirement includes records and reports concerning common areas and other units when such information was obtained as a result of a building-wide evaluation. So, you must still disclose things like asbestos, formaldehyde exposure, foundation problems or faulty water pipes. Law of Agency - LREC Real Estate Disclosures about Potential Lead Hazards | US EPA If there are problems down the road, you can often rely on theinspector's reportin claiming that you didn't know of a problem when you made your real estate disclosures. What does it mean when theres no check mark? property has been stigmatized in the public eye by dramatic circumstances such as a murder or other violent crime, hauntings or supernatural phenomena, suicide, or other serious criminal activity (more than a mere burglary). Please click here to see any active alerts. ), If the home is subject to a homeowners association (HOA), Nearby toxic materials, like contaminated soil, By providing disclosures before you have a buyer (like in your. Fact Sheet: Disclosure of Lead-Based Paint Hazards in Housing (PDF). Some states are incredibly strict about seller disclosures, while others have so few regulations, buyers are pretty much purchasing at their own risk. Strict liability means that the owner is responsible to the injured party without excuse. If youre working on your own, you may have to find a form online or create it from scratch. The answer is capped with soil for aesthetic reasons. Its a required form in real estate transactions and outlines any problems with a property that would impact the homes value or safety. Although the threat of a lawsuit can be scary, theres one thing you dont have to worry about: The courts wont hold you accountable for failing to disclose issues youre unaware of. For multi-unit buildings, this requirement includes records and reports concerning common areas and other units when such information was obtained as a result of a building-wide evaluation. Thus, it is the sellers duty to disclose all material defects that may affect the monetary value of the house to the prospective buyer. Your state real estate association or board may have documents, often in checklist form, that list the disclosures required in your state. No, sellers are not legally required to make disclosures pertaining to the occurrence of prior death in the house. and plan your strategy. The answer is common law is being used for further interpretation. In Arkansas, its also buyer beware unless the seller tells an outright lie about the home. Groundwater that exists under the earth's surface forms the water table, which is Homebuyers and renters have important rights to know about whether lead is present -- before signing contracts or leases. home appliances. 12 CFR Part 1026 - Truth in Lending (Regulation Z) 1560 Broadway, Suite 925Denver, CO 80202. In a situation like that, it can be tempting to just guess or come up with an average. Zillow (Canada), Inc. holds real estate brokerage licenses in multiple provinces. 442-H New York Standard Operating Procedures New York Fair Housing NoticeTREC: Information about brokerage services, Consumer protection noticeCalifornia DRE #1522444Contact Zillow, Inc. One of the biggest mistakes a seller can make is not giving disclosures at all. A lock (LockA locked padlock) or https:// means youve safely connected to the .gov website. Some sellers balk, knowing that once they get the report back, they'll have to disclose what was discovered to potential buyers; in fact, they'll likely need to give them a copy of the actual report. The three (3) applicable Sellers Property Disclosure (SPD) forms can be found on the Divisions website under Commission Approved Contracts and Forms. If the seller has lied on the Disclosure Statement then the buyer can proceed to sue such a seller and claim damages including costs of repairs. A) Beyond this, however, most states' laws require sellers to take a proactive . local municipalities are establishing their own interpretation. low humidity. Real Estate Housing Market: Will the Housing Market Crash? Gifting or transferring of a property, usually between relatives, Business transfers, usually in cases where two or more investors co-own a rental property. In other words, you don't usually need to hire inspectors to turn up problems you never had an inkling existed. The answer is trapped and concentrated in inadequately ventilated areas. C. When selling real estate, its important to understand your legal responsibilities as a seller, and one of those obligations is honest disclosures. Here are eight common real estate seller disclosures to be aware of, whether you're on the buyer's side or the seller's side. containment. The property buyers have an interest in getting the deal closed as well, and often overlook minor issues. piling waste into a hill at surface level and covering with clay. If you're selling a home, you need to make sure you are forthcoming about certain facts and conditions, such as the presence of termites or water damage to the property. creates distress and confusion among sellers. Also Read: Foreclosure in Tennessee Read our blog to know how to stop foreclosures in Tennessee. Groundwater that exists under the earth's surface within the tiny spaces or crevices in geological formations forms the water table, the natural level at which the ground becomes saturated. A) must occur at a specific time during escrow. Here are four things you need to know about property disclosure statements. The answer is liquid petroleum tanks that store at least 10% of their volume underground be in compliance. Any previous or current sinkholes on the property must be thoroughly disclosed and discussed before signing any contract. Interpretive Guidance for the Real Estate Community on the Requirements for Disclosure of Information Concerning Lead-based Paint in Housing. If you have a concern about possible lead-based paint, then get a. If your home does not sell and you are in a position to continue living in it, knowing that you repaired problems can benefit your own safety and peace of mind as well. There are two times during the listing and selling process when it may be appropriate to provide disclosures, before listing your home or after accepting an offer. Radon poses the greatest potential health risk to people when it is This information may be different than what you see when you visit a financial institution, service provider or . Seller's Disclosure: What Home Sellers Must Reveal - NerdWallet Especially if you want to avoid a lawsuit down the line. Although weve established the importance of disclosure for purchase and sale agreements, theres a possibility that the seller may not know that a defect exists. An attachment to the contract, or language inserted in the contract, that includes a "Lead Warning Statement" and confirms that the landlord has complied with all notification requirements. Ask questions when in doubt. Seller's Property disclosure (Residential) (SPD19) Seller's Property Disclosure (Land) (SPD19L), Seller's Property Disclosure (Commercial) (SPD19C). Most state laws prescribe that the disclosures should be provided before closing. Underground storage tanks (USTs) are commonly found on sites where petroleum products are used or where gas stations and auto repair shops are or were located. The lack of trust between a buyer and seller can demotivate a buyer from considering your property altogether. There are only a few federally mandated disclosures, but overall, disclosure requirements fall under state law, and the requirements vary state by state. How does it affect your evaluation? For example, if there was a health hazard, you could be required to pay for medical bills. In the home financing context, theReal Estate Settlement Procedures Act (RESPA)requires lenders to comply with disclosure laws to ensure fairness for consumers. only a landowner with prior knowledge may be held responsible. The answer is low humidity. C) The answer is and may not comply with federal and state laws. Moving with Kids: Tips for Telling Them, Packing, Moving and Coping. Sellers should disclose anything and everything they can think of, says Adam Buck, a certified real estate specialist with the Frutkin Law Firm in Arizona. All three were used in insulating materials. may be several hundred feet underground or near the surface. A lead disclosure attachment to the lease, or language inserted in the lease, that includes a "Lead Warning Statement" and confirms that you have complied with all notification requirements. never owned by private enterprise. All of the following are true about underground water contamination EXCEPT. Finally, be aware that real estate agents are increasingly requiring that sellers complete disclosure forms, regardless of whether or not it's legally required in their state. You can also opt for a pre-inspection before listing. Honesty, accuracy and transparency are of utmost importance when selling your house. Houzeos cutting edge technology automatically provides you with the necessary disclosures, curated to match your property and location. Measurements of the home. If your disclosure statement includes lead paint, make sure the disclosures are signed, and keep copies for at least three years. With the exception of the innocent landowner, liability under the Superfund is. C) The risk of using the form are nominal, and the benefits are great. FindLaw.com Free, trusted legal information for consumers and legal professionals, SuperLawyers.com Directory of U.S. attorneys with the exclusive Super Lawyers rating, Abogado.com The #1 Spanish-language legal website for consumers, LawInfo.com Nationwide attorney directory and legal consumer resources. D) B) The email address cannot be subscribed. The seller shall also make lead-based paint and methamphetamine production disclosures to a prospective buyer. Houzeo is not a brokerage or a licensed agent. Also Read:Tennessee Home Inspector Find out the best home inspectors in Tennessee. Even after closing, you may be required to go back and pay for repairs on the property related to the known defect. 47E-4.1. The answer is the landowner might still be held responsible. C) What is the dollar return that could be earned on these savings? B) That leaves out average wear and tear, such as a scratched tile or loose doorknob. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. in addition, knowing that there is a defect allows the broker to effectively Market the property "as is," disclosing the defects and therefore limiting liability for both the seller (they sometimes Overlook potential liability and their eagerness to sell) and the broker, CH12 Leasehold Estates and Property Managemen, CH 10 Public Private Land Use Controls 2023, Alexander Holmes, Barbara Illowsky, Susan Dean. The water table If you are selling a house built before 1978, you must comply with a federal law called the Residential Lead-Based Paint Hazard Reduction Act of 1992 (U.S. Code 4852d), also known as Title X. Undisclosed facts are material if a consumers decision might have been different had the truth been disclosed. C) trapped and concentrated in inadequately ventilated areas. The Seller's Property Disclosure (SPD) is an important disclosure form for the real estate broker to discuss with their respective client. But all three of these materials were once used in residential construction. Please try again. emitted by malfunctioning or inadequately ventilated appliances. Death in the Home Some buyers have concerns or superstitions. Waste disposal sites are New California law requires seller of home to disclose vulnerability to A) The answer is they were all used at one time in residential construction. A) The seller may offer a 10-day period for the buyer to complete a paint inspection or risk assessment for lead-based paint or lead-based hazards. That means that you generally don't need to hire a home inspector to inspect your property. The content on this site is not intended to provide legal, financial or real estate advice. Even though its a minor issue, you must disclose it. Warren Christopher Freiberg is an attorney and freelance writer living in Chicago. Although no remediation of the property is required, a lead-based paint warning disclosure statement must be completed and signed by the parties and a copy attached to any sales contract or lease for a residential property built before 1978. appliances. (See Getting a Home Inspection.) Tennessee Sellers Disclosures Statements are a little complicated. Her insurance company has contracts with the hospital that will lower the amount that has to be paid. Explain your decisions. encapsulation. Find areal estate attorneynear you to learn more. The Division of Real Estate bimonthly email update is designed to provide Division news, information on upcoming public meetings, rulemaking hearings, and registration links for education webinars. The EPA requires that sellers or landlords must disclose known information on lead-based paint and hazards for residential buildings built before 1978. While compliance in this context applies to banks and brokers, it is useful for you as a seller or borrower to be aware that some disclosures involved in the purchase process are a matter of right. Even though most states don't require it, it can be helpful to hire someone to inspect your property before a sale. 2. Review the SPD form for completeness before disseminating it. An exception is made for the innocent landowner who had no actual or constructive knowledge of the damage at the time the property was purchased. d. $100,000. excellent results and very few consumer complaints. Maybe a window leaks a little bit when it rains or the basement just barely floods every now and then. While a seller needs to be truthful, their agent also needs to investigate to make sure all known hazards and defects are fully disclosed to potential buyers. Protect Your Family From Lead In Your Home (PDF), lead inspection from a certified inspector, SampleLessor's Disclosure of Information, Read the regulations that includes these requirements, Evaluating & Eliminating Lead-Based Paint Hazards. Seller's disclosures serve the following purpose in real estate transactions: Tennessee Real Estate Disclosure Laws Specific federal and state laws govern the home sellers in relation to the sale of their residential property. A) This type of sale puts the burden of any issues on the buyer, with the exception of latent defects that the buyer wouldnt see and could be a health and safety concern.

Sapol Recruitment Process, Four Methods Of Conducting A Reconnaissance Usmc, City Of Philadelphia Pension Plan 16, National Merchants Association Lawsuit, Has Anyone Been Attacked On Alone, Articles M

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