In Re: Paul J. Mraz, James E. Mraz Heidi Pfisterer Mraz, His Wife v. Pauline M. Bright Sommers Enterprises, Incorporated Gordon Schmidt Coldwell Banker Residential Affiliates, Incorporated Aaron Chicovsky William Ross Pederson, and John Doe, Counter-Offerer, 46 F.3d 1125, 4th Cir. (1995)