CHAPTER 7 FEES AND PRACTICES OF MY ARIZONA LAWYERS

Opinion

Dated: February 3, 2025

Bendlo Perf □□□ — 2 Brenda Moody Whinery, Bankruptcy Judge 3 eS 4 7 8 In re: Case No. 4:24-mp-00003-BMW 9 CHAPTER 7 FEES AND PRACTICES OF RULING AND ORDER VOIDING MY ARIZONA LAWYERS, PLLC AND RETENTION AGREEMENTS AND RELATED FINANCING AGREEMENTS FINANCING AGREEMENTS, WITH EZLEGALFEES, LLC ORDERING THE DISGORGEMENT OF 11 FEES, AND IMPOSING SANCTIONS AGAINST MY ARIZONA LAWYERS, 12 PLLC, CANDACE KALLEN, EZLEGALFEES, LLC, AND 13 KATHERINE KIESEL 14 15 On April 16, 2024, given this Court’s concerns pertaining to the disclosures of attorne: 16 compensation and bifurcated Chapter 7 retention agreements filed by Candace Kallen (“Ms 17 Kallen”) of My Arizona Lawyers, PLLC (“My Arizona Lawyers” or the “Firm’),! whicl indicated the existence of third-party financing by EZLegalFees, LLC (“EZ Legal”), and give: 19] related representations Ms. Kallen made to the Court regarding the practices of her Firm and he 20 Firm’s relationship with EZ Legal,” the Court issued an Order to Show Cause (the “OSC”) (Dkt 2)° against Ms. Kallen, My Arizona Lawyers, and EZ Legal. 22 Pursuant to the OSC, Ms. Kallen and My Arizona Lawyers were ordered to show □□□□ as to why this Court should not: (1) void all post-petition retention agreements between M: 24 a 95 ' This Court’s procedures require attorneys for Chapter 7 debtors to attach all agreements that pertain t the compensation paid or to be paid to or for the benefit of such attorneys to their Rule 2016(b) disclosure 26 of compensation. > See Trial Ex. 7. References to “Trial Ex.” are references to exhibits admitted into evidence during th evidentiary hearing held on October 16, 2024. 3 Unless otherwise indicated, references to “Dkt.” are references to the docket in this miscellaneou 28 proceeding.

1 Arizona Lawyers and Chapter 7 debtors on the basis that they violate the Bankruptcy Code and 2 Local Rules for the United States Bankruptcy Court for the District of Arizona (the “Local 3 Rules”); (2) order the disgorgement of all fees paid pursuant to or otherwise attributable to such 4 post-petition retention agreements; and/or (3) bar Ms. Kallen from practicing before this Court 5 given the structure and conflicts of interest inherent in her Firm’s financing arrangement with EZ 6 Legal. (Dkt. 2 at 6). 7 EZ Legal was ordered to show cause as to why this Court should not void all financing 8 agreements signed by Chapter 7 debtors represented by My Arizona Lawyers and/or impose 9 sanctions, as may be deemed appropriate. (Dkt. 2 at 6). 10 During the course of these proceedings, the Court held numerous hearings4 and, as 11 additional information was disclosed, the Court: (a) fixed the scope of these proceedings to 12 include all bifurcated Chapter 7 cases filed by the Firm in the District of Arizona between May 13 15, 2022 and May 15, 2024 (the “Lookback Period”) that were financed by EZ Legal (the “EZ 14 Legal Financed Cases”), which cases are listed on Exhibit A to this Ruling and Order (the “Case 15 List”);5 (b) ordered the parties to file supplemental disclosures; (c) issued certain interim orders; 16 (d) imposed certain interim sanctions; and (e) put the parties on notice that additional sanctions 17 may be imposed.6 (Dkt. 20; Dkt. 35; Dkt. 53; Dkt. 63). 18 With respect to the interim orders and sanctions imposed by the Court, at the initial hearing 19

20 4 As reflected by the summary of these proceedings set forth in this Ruling and Order, the record in this proceeding is extensive. This Court held seven hearings regarding this matter prior to conducting the 21 October 16, 2024 evidentiary hearing. 22 5 The list of cases included on Exhibit A is inclusive of all EZ Legal Financed Cases as disclosed by My Arizona Lawyers and/or EZ Legal. Although Ms. Kallen and her Firm suggest, for the first time in their 23 post-trial brief, that this Court’s ruling should be limited to the cases that have been formally added to this miscellaneous proceeding, Ms. Kallen and her Firm filed substantially similar disclosures of 24 compensation, used substantially similar retention agreements, and engaged in substantially similar conduct in all of the EZ Legal Financed Cases. (10/16/2024 Trial Tr. 9:23-11:25, 12:16-14:22). EZ Legal 25 likewise engaged in substantially similar conduct and used substantially similar forms in all of the EZ 26 Legal Financed Cases. (See Dkt. 106 at ¶¶ (1)GG & (1)KK). The Court therefore declines to limit the scope of this Ruling and Order. 27 6 This miscellaneous proceeding was not initiated to consider the Chapter 7 attorney practices in this District as they pertain to the scope of attorney representation in bifurcated cases or the fees charged for 28 such representation. This Court will continue to examine Chapter 7 attorney practices and may raise 1 regarding the OSC held on May 15, 2024, the Court ordered Ms. Kallen, My Arizona Lawyers, 2 and EZ Legal to prepare and file lists of all cases the Firm filed during the Lookback Period that 3 involved financing by EZ Legal and supplement their responses to the OSC to address concerns 4 raised by the Court and issues raised by counsel for the United States Trustee (the “UST”). (Dkt. 5 20 at 3). 6 In response to the Court’s May 15, 2024 orders, Ms. Kallen, her Firm, and EZ Legal filed 7 supplemental responses and case lists that contained numerous inconsistencies and discrepancies. 8 (Compare Dkt. 26 with Trial Ex. 26; compare Dkt. 25 at Ex. 3 with Dkt. 30 at Ex. C; see Trial 9 Ex. 9 at 9:15-23; Dkt. 35 at 3). 10 At a continued hearing regarding the OSC held on June 10, 2024, the parties, through 11 counsel, informed the Court that disclosures included in their initial and supplemental responses 12 to the OSC pertaining to the relationship between the parties were false. (Trial Ex. 9 at 2:20-7:10; 13 Trial Ex. 34 at 4, ¶ (2)6). Given this disclosure, the Court ordered the parties to: (1) file sworn 14 declarations explaining the nature of the agreements and relationships between and among the 15 parties; and (2) amend their case lists to address the discrepancies and inconsistencies identified 16 by the Court. (Dkt. 35 at 3-4). The Court further ordered Ms. Kallen and her Firm to file the 17 retention agreements and financing agreements for all cases filed in this District during the 18 Lookback Period, file a certificate of compliance, and provide a flash drive to the Court 19 containing the filed documents. (Dkt. 35 at 4). The Court also ordered EZ Legal to: (a) file all 20 financing agreements that pertain to any cases filed in this District during the Lookback Period, 21 file a certificate of compliance, and provide a flash drive to the Court containing the filed 22 documents; and (b) file additional sworn disclosures. (Dkt. 35 at 4). Given the parties’ false 23 representations to the Court regarding their financial arrangement and the discrepancies in the 24 parties’ filings, the Court imposed interim sanctions restricting Ms. Kallen and her Firm’s ability 25 to file new Chapter 7 bankruptcy cases in this District and prohibiting EZ Legal from: 26 (a) collecting any additional funds related to any and all bankruptcy cases in this District; 27 (b) engaging in any further lending activities in any bankruptcy cases in this District; and 28 (c) making any disbursements of any funds collected from debtors in any bankruptcy cases filed 1 in this District, pending further Court order. (Dkt. 35 at 4-6). 2 Although Ms. Kallen, her Firm, and EZ Legal timely filed supplemental declarations, the 3 parties failed to file all required retention agreements and financing agreements, Ms. Kallen 4 failed to timely file an amended case list, and the parties failed to timely file certificates of 5 compliance or provide flash drives containing relevant documents to the Court, as ordered. (Dkt. 6 53 at 2; Dkt. 47; Dkt. 51 at ¶ 15; see Trial Ex. 10 at 13:19-14:5, 39:4-9). Further, EZ Legal 7 depleted its bank account, in direct violation of this Court’s order that EZ Legal not disburse 8 debtor funds. (Dkt. 60 at ¶ 2). 9 Thereafter, on August 2, 2024, the UST filed the United States Trustee’s Motion to 10 Examine Fees Paid, Disgorge Fees, and Impose Sanctions Against Candace Kallen and My 11 Arizona Lawyers, PLLC (the “UST Motion”) (Dkt. 56). In the UST Motion, the UST expands 12 upon the issues raised in the Court’s OSC and asks the Court to: (a) determine that all attorney 13 fees charged by Ms. Kallen and the Firm in the EZ Legal Financed Cases were excessive; 14 (b) order Ms. Kallen and her Firm to disgorge all fees paid in the EZ Legal Financed Cases; 15 (c) bar Ms. Kallen and her Firm from filing bankruptcy cases in this District for a period of two 16 years; and (d) require Ms. Kallen and her Firm to apply for re-admission in order to recommence 17 filing bankruptcy cases in this District. 18 In response to the OSC and UST Motion, Ms. Kallen and her Firm take the position that 19 the fees charged to debtor-clients were reasonable, any inadequate disclosures or violations of 20 the Bankruptcy Code, Federal Rules of Bankruptcy Procedure (the “Federal Bankruptcy Rules”), 21 and/or Local Rules were inadvertent, Ms. Kallen and her Firm have diligently and competently 22 performed legal services for their clients, and they are committed to complying with the 23 Bankruptcy Code, Federal Bankruptcy Rules, and Local Rules in all respects going forward. Ms. 24 Kallen and her Firm argue that the remedies and sanctions proposed by the Court and the UST 25 are unwarranted and unduly harsh. 26 EZ Legal takes the position that it has not engaged in bad faith lending directed at Chapter 27 7 debtors in furtherance of an abuse of the bankruptcy system, and that the Court lacks 28 jurisdiction and authority to void post-petition financing agreements signed by debtor-clients of 1 the Firm. 2 On October 16, 2024, the Court conducted an evidentiary hearing regarding the OSC and 3 UST Motion.7 At the October 16, 2024 hearing, counsel for the UST, counsel for EZ Legal, and 4 Ms. Kallen, representing herself and her Firm, presented evidence. Testimony was provided by 5 Ms. Kallen and the principal of EZ Legal, Katherine Kiesel (“Ms. Kiesel”). On November 18, 6 2024, the parties submitted post-trial briefs,8 at which time the Court took the matter under 7 advisement. Based upon the entire record before the Court, the Court now issues its ruling. 8 I. Jurisdiction 9 Pursuant to 28 U.S.C. § 1334(b) and 28 U.S.C. § 157, this Court has jurisdiction over “all 10 civil proceedings arising under title 11, or arising in or related to cases under title 11.” The terms 11 “arising under” and “arising in” are terms of art. In re Wilshire Courtyard, 729 F.3d 1279, 1285 12 (9th Cir. 2013). “Proceedings ‘arising under’ title 11 involve causes of action created or 13 determined by a statutory provision of [the Bankruptcy Code].” Id. Proceedings “arising in” title 14 11 are those proceedings that are not created or determined by the Bankruptcy Code, but would 15 nevertheless have no existence outside of a bankruptcy case. Id. “A ‘related to’ proceeding may 16 be related to [a bankruptcy case] because of its potential effect, but it does not invoke a 17 substantive right created by the Bankruptcy Code and could exist outside of bankruptcy.” In re 18 Gen. Carriers Corp., 258 B.R. 181, 189 (9th Cir. BAP 2001). 19 If a proceeding is core, the bankruptcy court has the authority to enter final orders. In re 20 Richards, 655 B.R. 782, 793 (9th Cir. BAP 2023). If a proceeding is not core, the bankruptcy 21 court may enter final orders with the consent of the parties. Id. 22 At issue is attorney and law firm conduct pertaining to bankruptcy cases filed in this 23 District, legal fees charged to debtors in this District, the conduct of a lender that at all relevant 24 times knowingly and intentionally financed bankruptcy legal fees in this District, and the related 25 financing and retention agreements of that law firm and lending entity. Ms. Kallen and her Firm 26 7 Prior to the evidentiary hearing, the UST and EZ Legal proposed a stipulation (Dkt. 65) in an attempt 27 to resolve the EZ Legal component of this proceeding, which stipulation the Court did not approve, and which stipulation the UST subsequently withdrew. (9/11/2024 Hearing Tr. 20:4-5, 21:8-27:10, 32:11- 28 25). 1 acknowledge that the Court has jurisdiction over this matter as it pertains to them, and that this 2 is a core proceeding. (Trial Ex. 34 at 17, ¶¶ (4)1-2). Although EZ Legal contends that this Court 3 lacks jurisdiction and the authority to enter orders impacting its financing agreements with the 4 debtors on the Case List, those financing agreements pertain solely, expressly, and exclusively 5 to bankruptcy legal fees. As EZ Legal has acknowledged, this Court has jurisdiction over legal 6 fees paid by or on behalf of a debtor both before and after a bankruptcy filing. (Dkt. 106 at 12- 7 13, ¶¶ (5)A-E). Further, the Promises to Pay at issue, which will be defined and discussed in 8 detail below, were presented to the debtors on the Case List by the Firm, at the direction and/or 9 with the consent of EZ Legal. (Dkt. 41, Ex. A at ¶¶ 7, 10; 10/16/2024 Trial Tr. 49:24-50:22, 10 137:6-10). 11 Given the foregoing, and the relationship and agreements between the parties, which are 12 discussed herein, the EZ Legal financing piece of this proceeding is inextricably intertwined with 13 the bankruptcy legal fees at issue. As set forth below, it is the ultimate determination of this Court 14 that the relationship between My Arizona Lawyers and EZ Legal was a fee sharing arrangement 15 which was not disclosed to client-debtors of the Firm or to this Court. The Court therefore finds 16 that it has jurisdiction over all components of this proceeding pursuant to 28 U.S.C. §§ 157 and 17 1334, and that this matter constitutes a core proceeding under 28 U.S.C. § 157(b)(2). 18 To the extent any component of this proceeding is determined to be non-core, Ms. Kallen 19 and her Firm consent to the entry of final orders by this Court. (Trial Ex. 34 at 17, ¶ (4)3). 20 Although EZ Legal has included a statement of non-consent to entry of final orders by this Court 21 in its post-trial brief, EZ Legal failed to raise any objection to this Court’s authority to enter final 22 orders in its initial response to the OSC. (Dkt. 7). A party that believes the bankruptcy court lacks 23 the authority to enter final orders must raise such objection promptly. Stern v. Marshall, 564 U.S. 24 462, 482, 131 S. Ct. 2594, 2608, 180 L.Ed.2d 475 (2011). Consistent with this requirement, this 25 Court’s Local Rules provide that “[i]n a contested matter before the Court, . . . the initial motion, 26 objection or other document filed by any party must contain a statement whether the Court has 27 authority to enter final orders . . .” and “[i]f no such statement is included, the filing will be 28 deemed the party’s consent to the authority of the Court to enter final orders.” Local Rule 9014- 1 2. EZ Legal is therefore deemed to have consented to this Court’s entry of final orders. 2 The following constitute the Court’s findings of fact and conclusions of law pursuant to 3 Federal Rule of Civil Procedure 52, as incorporated by Federal Bankruptcy Rules 7052 and 9014. 4 To the extent it is determined that this proceeding involves non-core matter(s), and to the extent 5 it is determined that EZ Legal has not sufficiently consented to the entry of final orders by this 6 Court, the following constitute the Court’s proposed findings of fact and conclusions of law 7 pursuant to Federal Bankruptcy Rule 9033. 8 II. Findings of Fact 9 Ms. Kallen has been licensed to practice law in this District since 2014,9 in which year 10 she formed My Arizona Lawyers. (10/16/2024 Trial Tr. 136:15-20; Dkt. 43 at ¶ 2). Ms. Kallen 11 has been the sole member and manager of My Arizona Lawyers since its formation, but, 12 according to her testimony, she did not personally start actively practicing bankruptcy law in this 13 District until approximately 2022. (See Dkt. 43 at ¶ 2; Trial Ex. 34 at 3, ¶ (2)2; 10/16/2024 Trial 14 Tr. 159:15-25). During the Lookback Period, Ms. Kallen and her Firm filed more than 1,260 15 Chapter 7 cases in this District, the majority of which were bifurcated cases.10 (See 10/16/2024 16 Trial Tr. 8:18-9:1, 9:14-18; Trial Ex. 31). In bifurcated cases, the Firm generally had debtors 17 execute pre-petition retention agreements, pursuant to which the Firm filed skeletal Chapter 7 18 petitions for no compensation, and then required debtor-clients to execute post-petition retention 19 agreements promising to pay the Firm a flat fee amount (the “Attorney Flat Fee”), generally 20 $3,000, for continued representation. (10/16/2024 Trial Tr. 131:17-23; see, e.g. Trial Ex. 6). 21 EZ Legal was formed by Ms. Kiesel in December 2020 as a consumer lending entity which 22 23 9 Ms. Kallen is currently on probation with the State Bar of Arizona. (10/16/2024 Trial Tr. 111:14-17). 24 10 In bifurcated cases, pre- and post-petition attorney services and fees are separated. “In its most basic form, the bifurcated fee approach entails the use of the prefiling agreement to provide solely for the 25 minimum amount of legal services needed to have a skeletal petition prepared and filed, thus initiating 26 the bankruptcy, following which the parties enter into a postfiling agreement under which the bulk of the legal work is to be done. The overall fee for the bankruptcy filing is split between the two agreements, 27 generally weighted heavily (or even entirely) to the postfiling agreement. The theory behind this approach is that the debtor's obligation under the postfiling agreement will not be discharged in the bankruptcy and 28 will thus remain[] a binding obligation of the debtor . . . .” In re Cialella, 643 B.R. 789, 793 (Bankr. W.D. 1 is wholly owned and managed by Ms. Kiesel, who is not an attorney. (10/16/2024 Trial Tr. 2 201:11-17; Dkt. 41, Ex. A at ¶¶ 1-2). EZ Legal represents that it is primarily in the business of 3 making consumer loans to individuals to finance their legal expenses,12 but has only provided 4 funding in cases filed by My Arizona Lawyers and the Law Office of Ruth Ann Ambs.13 (Dkt. 5 41, Ex. A at ¶¶ 2-3; Dkt. 106 at 7, ¶ (1)AA; 10/16/2024 Trial Tr. 201:13-15). My Arizona 6 Lawyers and EZ Legal, through their respective principals, have represented to the Court that 7 they began their business relationship in or about April 2021, which relationship continued in 8 some form until this Court issued the OSC, and which relationship involved EZ Legal’s financing 9 of My Arizona Lawyers’ bifurcated Chapter 7 cases.14 (Trial Ex. 25 at 1; Dkt. 43 at ¶ 6; 10 10/16/2024 Trial Tr. 202:9-11).

11 A. Nature and Terms of the Arrangement Between My Arizona Lawyers and EZ 12 Legal 13 As asserted by the parties, in or about April 2021, My Arizona Lawyers and EZ Legal 14 entered into a business arrangement, pursuant to which EZ Legal provided financing to My 15 Arizona Lawyers. (Dkt. 43 at ¶ 6; 10/16/2024 Trial Tr. 202:9-11; Dkt. 41, Ex. A at ¶ 6). Other 16 than a written agreement dated April 21, 2021, the validity of which is disputed by My Arizona 17 Lawyers, 15 and which EZ Legal asserts was terminated, the parties acknowledge that none of the 18 terms of their agreement were reduced to writing. (Trial Ex. 36/ZZ; Dkt. 26 at ¶ 3; Dkt. 27 at 2; 19

20 11 Ms. Kiesel has admitted that she had no prior experience in consumer lending, or the lending industry in general, before forming EZ Legal. (See 10/16/2024 Trial Tr. 201:18-21). Her background is as a 21 designer in new home building and remodeling. (10/16/2024 Trial Tr. 201:18-21). 22 12 EZ Legal represents that it is licensed by the Arizona Department of Insurance and Financial Institutions. (Dkt. 7 at ¶ 1; Dkt. 41, Ex. A at ¶ 2). 23 13 EZ Legal was involved in a related order to show cause proceeding pertaining to EZ Legal’s involvement in the operations of the Law Office of Ruth Ann Ambs. See In re Chapter 7 Fees and 24 Practices of The Law Office of Ruth Ann Ambs; EZLegalFees, LLC; and Want a Fresh Start, LLC (4:24- mp-00002-BMW). A Ruling and Order Cancelling Retention Agreements and Financing Agreements, 25 and Imposing Sanctions Against Ruth Ann Ambs, The Law Office of Ruth Ann Ambs, EZLegalFees, LLC, 26 Want a Fresh Start, Katherine Kiesel and Daniel Ray Richter was entered in that proceeding (the “Ambs MP Ruling and Order”) (4:24-mp-00002-BMW at Dkt. 61). 27 14 EZ Legal does not hold a license under the Alternative Business Structure Program administered by the Arizona Supreme Court. 28 15 Whether the written agreement that was presented to the Court was valid as between the parties at any 1 Dkt. 43 at ¶ 9; 10/16/2024 Trial Tr. 202:15-203:9, 211:18-21, 228:2-229:12). No other written 2 evidence of the parties’ agreement was presented to the Court.16 3 Based upon the record and the testimony presented, there were three iterations of the 4 parties’ business arrangement that are relevant to this proceeding. From approximately April 5 2021 to approximately October 2022, the Firm presented post-petition retention agreements 6 executed by Chapter 7 debtor-clients in bifurcated cases to EZ Legal and EZ Legal paid seventy- 7 five percent (75%) of the face value of those agreements, i.e. 75% of the Attorney Flat Fee, to 8 the Firm in exchange for the right to collect and retain the full Attorney Flat Fee from such debtor- 9 clients. (10/16/2024 Trial Tr. 170:25-171:4, 204:4-17). Under this iteration, EZ Legal had the 10 option of returning debtor accounts that went into default to the Firm (the “First Iteration”). 11 (10/16/2024 Trial Tr. 171:12-17, 204:18-24). As explained by Ms. Kallen:

12 Under the initial verbal understanding between MyAZ and EZ Legal, 13 MyAZ was financed by EZ Legal, which provided a line of credit secured by client receivables. The debtor owed MyAZ for filing their 14 bankruptcy. This debt was then sold to EZ Legal and it collected on 15 the obligation.17

16 (Dkt. 43 at ¶ 10). 17 Beginning in or about October 2022, the testimony reflects that the parties verbally 18 modified their agreement. (10/16/2024 Trial Tr. 137:12-18, 171:18-172:9, 204:25-205:19). EZ 19 Legal began paying My Arizona Lawyers 62% of the Attorney Flat Fee set forth in the post- 20 petition retention agreements in exchange for the right to collect and retain the full Attorney Flat 21 Fee from debtor-clients, and EZ Legal stopped returning debtor accounts that went into default 22 to the Firm (the “Second Iteration”). (10/16/2024 Trial Tr. 171:18-172:9, 204:25-205:19; Dkt. 23 16 The Court notes that under Arizona’s statute of frauds: “No action shall be brought in any court in the 24 following cases unless the promise or agreement upon which the action is brought, or some memorandum thereof, is in writing and signed by the party to be charged, or by some person by him thereunto lawfully 25 authorized: . . . Upon a contract, promise, undertaking or commitment to loan money or to grant or extend 26 credit, or a contract, promise, undertaking or commitment to extend, renew or modify a loan or other extension of credit involving both an amount greater than two hundred fifty thousand dollars and not 27 made or extended primarily for personal, family or household purposes.” A.R.S. § 44-101(9). Given the amounts at issue herein, the foregoing statute would clearly apply. 28 17 Ms. Kallen subsequently retracted her sworn statement that the debt was sold to EZ Legal. (10/16/2024 1 43 at ¶ 10). The parties continued to operate pursuant to their agreed-upon 62% / 38% fee sharing 2 arrangement until the issuance of the OSC. (10/16/2024 Trial Tr. 171:18-172:9, 204:25-12). 3 B. Promises to Pay 4 In March 2023, EZ Legal began requiring Chapter 7 debtor-clients of the Firm to execute 5 a document entitled Promise to Pay and Authorization for Recurring Payments (each a “Promise 6 to Pay,” and collectively, the “Promises to Pay”) in favor of EZ Legal for the full amount of the 7 Attorney Flat Fee (the “Third Iteration”). (10/16/2024 Trial Tr. 172:10-20, 210:3-5, 214:23- 8 215:1; Dkt. 43 at ¶¶ 11-12; e.g. Trial Ex. 6 at 16-19). In bifurcated cases, the Promises to Pay 9 were given to debtor-clients by the Firm along with the Firm’s post-petition retention 10 agreement,18 both of which debtors were told that they were required to sign if they wanted to 11 retain their attorney representation post-petition. (See Trial Ex. 7 at 11:14-12:4; Dkt. 43 at ¶ 11; 12 10/16/2024 Trial Tr. 179:23-180:18, 214:23-215:1). The Promises to Pay provided that such 13 debtor-clients were borrowing funds from EZ Legal, ostensibly to pay the Attorney Flat Fee, 14 although this is not stated, and were obligated to repay EZ Legal the principal balance, which 15 equaled the amount of the Attorney Flat Fee, in twelve equal monthly installments. (E.g. Trial 16 Ex. 6 at 16-19). The Promises to Pay clearly state that the financed amount of $3,000 would incur 17 no finance fee or interest charge. (Trial Ex. 6 at 16-19). The Promises to Pay did not disclose that 18 My Arizona Lawyers and Ms. Kallen had agreed to accept $1,860 (62%) from EZ Legal in full 19 satisfaction of the attorney’s fees owed to them or disclose that EZ Legal would retain $1,140 20 (38%) of the $3,000. (See Trial Ex. 6 at 16-20). At no point in time did EZ Legal independently 21 meet with debtor-clients of the Firm prior to execution of such documentation.19 (10/16/2024 22 Trial Tr. 212:9-15). 23 The default rate of interest under the Promise to Pay is “300% or the maximum rate 24 allowed by law, whichever is greater, both before and after judgment[.]” (Trial Ex. 6 at 17-18). 25 The Court notes that the bankruptcy schedules filed by debtors in many of the EZ Legal Financed 26 Cases generally reflect that such debtors lacked the income to make their required post-petition 27 18 10/16/2024 Trial Tr. 156:2-3; see also 10/16/2024 Trial Tr. 49:17-50:22. 28 19 The record reflects that the only communication EZ Legal had with debtor-clients of the Firm pertained 1 payments to EZ Legal at the time they signed the Promises to Pay. (See 10/16/2024 Trial Tr. 2 104:14-18). The Promises to Pay also contain a demand provision that states: “We may demand 3 payment, at any time, and from time to time, if our ability to collect amounts owed under this 4 Agreement are [sic] materially impaired, in our sole and absolute discretion and whether or not 5 a default has occurred.” (Trial Ex. 6 at 18). 6 C. Disclosures of Compensation 7 The Disclosures of Compensation of Attorney for Debtor(s) (Form 2030) (the 8 “Disclosures of Compensation”) filed by Ms. Kallen and her Firm in the EZ Legal Financed 9 Cases indicate that the source of the compensation to be paid to Ms. Kallen and My Arizona 10 Lawyers was the debtors, and that Ms. Kallen had not agreed to share fees with any person who 11 was not a member or associate of her Firm. (Trial Ex. 34 at 7, ¶ (2)23; 10/15/2024 Trial Tr. 9:23- 12 10:13; e.g., Trial Ex. 6 at 1). Given the nature of the Firm’s arrangement with EZ Legal, both of 13 those disclosures were false when made. According to the testimony, as set forth above, the 14 source of the compensation paid to Ms. Kallen and her Firm for representing debtor-clients in 15 the EZ Legal Financed Cases was EZ Legal, and Ms. Kallen and her Firm shared what were 16 purported to be legal fees with EZ Legal. (10/16/2024 Trial Tr. 23:3-25:12). 17 The Disclosures of Compensation filed in the EZ Legal Financed Cases also generally 18 disclose that for legal services, the Firm agreed to accept the Attorney Flat Fee. (E.g. Trial Ex. 6 19 at 1; see also 10/16/2024 Trial Tr. 14:23-15:4). This disclosure is inconsistent with the testimony 20 provided by the parties that in all of the EZ Legal Financed Cases, prior to execution of the 21 Disclosures of Compensation, the Firm had agreed to accept reduced lump sum payments of 22 either 75% or 62% of the Attorney Flat Fee in full satisfaction of all legal fees owed to the Firm. 23 (10/16/2025 Trial Tr. 170:25-171:4, 171:18-172:2, 204:11-205:12). 24 In addition, the Disclosures of Compensation filed in the EZ Legal Financed Cases 25 generally include the following language:

26 Counsel has a recourse line of credit from a third-party lender secured 27 by (among other things) a collateral assignment of the accounts receivable of counsel, including amounts owed by Debtor(s) to 28 counsel. Counsel’s obligation to repay this indebtedness is not 1 receivable, including the amount owed by Debtor(s) to counsel. The 2 lender also provides payment management and processing services and will collect installment payments from Debtor(s) as well as any 3 third-party guarantor (if applicable) on behalf of counsel. Lender will 4 apply amounts paid by Debtor(s) against counsel’s indebtedness to Lender.

5 (E.g., Trial Ex. 6 at 1). 6 7 The foregoing is directly contrary to the testimony provided as to the iterations of the 8 arrangement between the parties. The testimony reflects that EZ Legal never perfected a security 9 interest in any line of credit with My Arizona Lawyers. (10/16/2024 Trial Tr. 224:10-14, 228:4- 10 12). Further, the above disclosure was made in cases that were filed during the Second Iteration, 11 during which there is no written documentation evidencing a financing arrangement between My 12 Arizona Lawyers and EZ Legal, much less a secured line of credit. (See 10/16/2024 Trial Tr. 13 9:23-10:13). This same disclosure was also made in cases filed during the Third Iteration, during 14 which period debtors were required to sign the Promise to Pay, which provides that the debtors 15 were obligated to pay EZ Legal directly, irrespective of their obligations to the Firm. (See, e.g. 16 Trial Ex. 6 at 1; 10/16/2024 Trial Tr. 26:9-28:16). At no point in time did Ms. Kallen or the Firm 17 amend their Disclosures of Compensation to accurately or completely disclose the terms of the 18 arrangement. 19 D. Retention Agreements 20 The Firm’s pre- and post-petition Chapter 7 retention agreements executed in the EZ Legal 21 Financed Cases during the Lookback Period (the “Retention Agreements”)20 provided that the 22 Firm would borrow money from EZ Legal against the debtors’ payment obligations, that EZ 23 Legal would have a lien in the promised payments, and that EZ Legal would act as a collection 24 agent for the Firm. (E.g. Trial Ex. 6 at 3-15). These provisions of the Retention Agreements 25 directly conflict with the testimony regarding the parties’ arrangement, as discussed above. The 26 20 Although Ms. Kallen testified that the Retention Agreements were drafted by her Firm, the Court notes 27 that the Retention Agreements are substantially similar to the retention agreements used by the Law Office of Ruth Ann Ambs, which retention agreements the Court was told were drafted by EZ Legal. 28 (Compare Trial Ex. 6 at 3-15 with Dkt. 16 at 2-12 in In re Cameron, 4:23-bk-09351-BMW; see 2/29/2024 1 Retention Agreements also provide that EZ Legal would charge the Firm an additional fee of 2 25% of the attorney’s fees placed for collection. (E.g. Trial Ex. 6 at 7, 11). There is no statement 3 in the Retention Agreements that the debtor would be responsible for the 25% fee, nor were the 4 Retention Agreements revised when the fee was increased to 38% during the Second Iteration. 5 (See Trial Tr. 9:23-11:21; Trial Ex. 6 at 3-15). The Retention Agreements were likewise not 6 revised during the Third Iteration, when the debtors were required to sign Promises to Pay which 7 indicate that there would be no finance fee or interest charge. (See, e.g. Trial Ex. 6 at 3-15, 8 10/16/2024 Trial Tr. 36:10-37:3, 181:22-182:16). Contrary to the testimony provided by the 9 parties, there is also no language in the Retention Agreements that informed debtors during the 10 Third Iteration that they would no longer owe My Arizona Lawyers any fees upon execution of 11 the Promise to Pay. (10/16/2024 Trial Tr. 200:8-11; see, e.g. Trial Ex. 6).21 Further, the Retention 12 Agreements contain interest and default provisions that directly conflict with the interest and 13 default provisions in the Promises to Pay.22 14 The Retention Agreements also contain conflict waivers that provide in relevant part:

15 2. If you sign a Post Filing Contract, Law Firm will be borrowing money from Lender counting on your promise to pay. Law Firm expects to 16 receive payments from you so that they can pay the Lender. This might place 17 Law Firm in conflict with you. By signing this agreement, you understand and waive this conflict. 18 . . . . 19 4. Law Firm cannot advise you on whether to enter into this agreement with Law Firm, because Law Firm is a party to this contract. Law Firm can 20 fully answer your questions and explain the terms. However, if you choose, you should seek independent counsel. By signing this agreement, you agree 21 that you do not want to seek independent advice, and the agreement was fully 22 explained to you and all of your questions have been answered to your satisfaction. 23 5. If you sign a Contract After Filing, Law Firm will share with Lender 24

25 21 Ms. Kallen and Ms. Kiesel testified that upon a debtor-client’s execution of a Promise to Pay in favor 26 of EZ Legal, the debt owed to the Firm would be retired, but that understanding is not supported by any written documentation. (10/16/2024 Trial Tr. 200:8-11, 212:22-213:7). 27 22 The Promise to Pay contains events of default that are not included in the Retention Agreements. (Compare Trial Ex. 6 at 17 with Trial Ex. 6 at 14). Further, while the Retention Agreements provide for 28 a default interest rate of 19.99%, the Promises to Pay provide for a default interest rate of 300%. 1 might include income, expenses, employment, assets, and any other personal 2 information you provide to Law Firm. Your attorney/client privilege may be waived with regard to this information. By signing this agreement, you fully 3 understand this and give consent to share your personal information as well 4 as waive this potential conflict. . . . . 5 If a conflict arises that is not able to be waived, Law Firm must withdraw from your case. You understand and waive this conflict by signing 6 this agreement. 7 (E.g. Trial Ex. 6 at 7-8, 12-13). 8 9 Thus, in the second waiver provision,23 the Firm disclosed to debtors that the Firm would 10 be counting on their promises to pay the Firm in order to pay EZ Legal. As discussed above, the 11 evidence and testimony reflect that this was never part of the arrangement between the parties 12 during any of the three iterations disclosed to the Court. The testimony indicates that EZ Legal 13 acted as the collection agent during all iterations of the arrangement. 14 In the fourth waiver provision, debtor-clients were asked to confirm that the Retention 15 Agreements had been fully explained to them. As discussed above, Ms. Kallen confirmed that 16 she did not in fact explain her Firm’s Retention Agreements to any debtor-clients. Rather, debtors 17 were provided copies of the agreements and it was incumbent upon them to try to review and 18 understand the complex, inconsistent, contradictory, and ambiguous provisions in such 19 agreements. 20 In the fifth waiver provision, debtor-clients were asked to consent to the sharing of any 21 and all personal information provided by such debtor-clients to the Firm with EZ Legal. In the 22 final waiver provision, debtor-clients were asked to waive unwaivable conflicts. 23 Nowhere in the Retention Agreements is there an accurate disclosure of the direct conflicts 24 of interest between My Arizona Lawyers and its debtor-clients. 25 E. Communication with Debtors 26 Neither Ms. Kallen nor her Firm explained to debtor-clients the terms of the Retention 27

28 23 The Court will refer to the waiver provisions based upon the numbers ascribed to them in the Retention 1 Agreements, the Promises to Pay, or the terms of the arrangement between My Arizona Lawyers 2 and EZ Legal. (Trial Ex. 34 at 6, ¶ (2)18; see also 10/16/2024 Trial Tr. 42:9-44:7).24 At no time 3 did Ms. Kallen or her Firm discuss with their debtor-clients the risks or drawbacks of executing 4 the Promises to Pay. (10/16/2024 Trial Tr. 46:21-24). Likewise, as discussed above, no 5 representative of EZ Legal met with or explained the Promise to Pay to any debtor-clients of the 6 Firm. (10/16/2024 Trial Tr. 212:9-15). Further, as illustrated above, the Retention Agreements 7 and Promises to Pay cannot be reconciled when read together, and are inconsistent with the terms 8 of the arrangement, as explained by the parties. At the evidentiary hearing, Ms. Kallen was unable 9 to explain either the inconsistencies or the inaccurate provisions in her own Retention 10 Agreements, or the terms of the Promise to Pay, which her Firm provided to debtors and required 11 them to execute to retain counsel post-petition. (E.g. 10/16/2024 Trial Tr. 30:6-44:7, 48:2-53:8). 12 In summary, debtor-clients of the Firm were told in written Retention Agreements that 13 they were being charged the Attorney Flat Fee for representation in their Chapter 7 cases. The 14 Disclosures of Compensation signed by Ms. Kallen and filed with the Court state that the Firm 15 had agreed to accept the Attorney Flat Fee to represent its debtor-clients, and that the Firm was 16 not sharing that Attorney Flat Fee with anyone outside the Firm. In reality, the actual fees agreed 17 to by Ms. Kallen and her Firm totaled either 62% or 75% of the Attorney Flat Fee, which amount 18 was paid to Ms. Kallen and her Firm by EZ Legal. EZ Legal, then, retained all funds collected 19 from debtor-clients of the Firm, even during the Third Iteration, when EZ Legal explicitly 20 represented to debtor-clients in writing that it charged no financing fee or interest charge. Further, 21 as discussed above, neither the Firm nor EZ Legal provided any explanation to debtor-clients of 22 any of the terms of the agreements, including as to the inconsistences, contradictions, conflicts, 23 risks, and/or drawbacks of executing such agreements. 24 F. Conduct of the Parties During Pendency of the Miscellaneous Proceeding 25 When asked about the Firm’s financing arrangement with EZ Legal, Ms. Kallen and her 26 Firm initially lied to this Court. (10/16/2024 Trial Tr. 25:13-26:8). In their first written response 27

28 24 Ms. Kallen admits that she had a practice of not meeting with debtor-clients in person or through a 1 to this Court’s OSC, Ms. Kallen and her Firm represented to the Court that “[i]n cases where the 2 debtor clients used EZLegal, the Firm received $3,000 directly from EZLegal[,]” and the net to 3 My Arizona Lawyers after payment of the Chapter 7 filing fee was $2,662. (Trial Ex. 25 at 2). 4 EZ Legal similarly misrepresented to the Court that “[as to] [t]hose debtors who finance 5 post-petition legal fees through EZ Legal, the loan proceeds obtained by a debtor are paid directly 6 to My AZ on behalf of the debtor and at the direction of the borrower.” (Dkt. 7 at 2, ¶ 9). There 7 was no disclosure that only a percentage of the loan proceeds would be paid to My Arizona 8 Lawyers. (See Dkt. 7). There is also no evidence that any debtor directed any monies to be paid 9 by EZ Legal to the Firm. 10 At a hearing held on June 10, 2024, the parties disclosed for the first time that, contrary to 11 their initial responses, the Firm was not paid the full Attorney Flat Fee, and the parties’ 12 arrangement was different than what had been disclosed to the Court. (Trial Ex. 34 at 4, ¶ (2)6; 13 Trial Ex. 9 at 2:20-7:10). Since that time, the parties have continued to make and then amend or 14 retract sworn statements pertaining to the nature and details of their arrangement. (E.g., Dkt. 106 15 at ¶¶ (2)G & (2)L; 10/16/2024 Trial Tr. 23:17-26:8). 16 During the pendency of this miscellaneous proceeding, and as set forth above, the parties 17 were also ordered to file supplemental information and provide certain disclosures, and the 18 parties did not timely or fully comply with the Court’s orders.25 (Trial Ex. 34 at 3-7, ¶¶ (2)4-5, 19 (2)7-9, (2)15, (2)24-25; Dkt. 35; 10/16/2024 Trial Tr. 91:19-93:22). Further, on June 10, 2024, 20 this Court ordered EZ Legal to make no disbursements of any funds collected from debtors in 21 any bankruptcy cases filed in this District pending further order of the Court, and EZ Legal 22 knowingly and willfully violated the Court’s order prohibiting the disbursement of debtor funds. 23 (Dkt. 35 at 5; Dkt. 60 at ¶ 2). 24 During the course of these proceedings, the Court required the parties to provide 25 information about how much they had collected from the debtors in the EZ Legal Financed Cases, 26

27 25 My Arizona Lawyers has failed to file, or otherwise provide to the Court, all Retention Agreements (pre- and/or post-petition) in more than 575 of the Chapter 7 cases the Firm filed during the Lookback 28 Period. EZ Legal and My Arizona Lawyers have failed to file or otherwise provide to the Court legible 1 as well as the flow of money as between the parties. (Dkt. 53 at 3). The only accounting of funds 2 paid and/or owed by debtors to My Arizona Lawyers and/or EZ Legal that was filed in response 3 is in the form of spreadsheets that were prepared by EZ Legal. (Dkt. 45 at Ex. A; Dkt. 52; Dkt. 4 65 at Ex. C; Trial Ex. 39; Trial Ex. 40). These spreadsheets, which were created by Ms. Kiesel, 5 are not substantiated by any raw data, are not consistent with generally accepted accounting 6 principles, are not consistent with one another,26 and are not consistent with the testimony 7 provided by EZ Legal’s representative.27 Based upon the most comprehensive spreadsheet that 8 has been provided to the Court,28 it is EZ Legal’s position that the debtors in the EZ Legal 9 Financed Cases have paid a total of $1,644,566 and that the unpaid balance owed under the 10 Retention Agreements and/or Promises to Pay implicated by this proceeding is $838,899.50.29 11 (Dkt. 65 at Ex. C). According to Ms. Kallen’s testimony, which testimony Ms. Kiesel did not 12 refute, EZ Legal paid My Arizona Lawyers a total of $1,317,468.80 pertaining to the EZ Legal 13 Financed Cases.30 (10/16/2024 Trial Tr. 226:24-227:23; Trial Ex. 31 at ¶ h). 14 III. Conclusions of Law 15 Pursuant to 11 U.S.C. § 329:

16 (a) Any attorney representing a debtor in a case under [the 17 Bankruptcy Code], or in connection with such a case . . . shall file with the court a statement of the compensation 18 paid or agreed to be paid, if such payment or agreement 19 26 10/16/2024 Trial Tr. 215:2-16; compare Dkt. 45 at Ex. A; Dkt. 52 at Ex. A; Trial Ex. 39; Trial Ex. 40 20 with Dkt. 65 at Ex. C. 27 See fn. 28. EZ Legal’s own counsel was unable to explain one of the later iterations of EZ Legal’s 21 spreadsheet to the Court. (8/6/2024 Hearing Tr. 12:11-14:16). 22 28 It is the determination of the Court that the most comprehensive spreadsheet that has been provided is the spreadsheet attached as Exhibit C to the proposed order filed at Dkt. 65. Exhibits 39 and 40, which 23 were admitted into evidence during the October 16, 2024 evidentiary hearing, do not include cases filed between May 15, 2022 and October 12, 2022, which dates fall within the Lookback Period. Ms. Kiesel’s 24 testimony during the October 16, 2024 evidentiary hearing was based upon those incomplete exhibits. 29 EZ Legal has at times taken the position that the outstanding principal balance owed under the 25 Retention Agreements and Promises to Pay implicated by this proceeding is $739,112.50. (Dkt. 51 at 26 ¶ 7; Dkt. 119 at 5). However, this figure, which appears to be taken from the last page of the spreadsheet attached as Exhibit C to Dkt. 65, does not take into account the cases or amounts listed on pages 19-24 27 of that spreadsheet. 30 Ms. Kiesel acknowledged during the October 16, 2024 evidentiary hearing that her calculation of the 28 total amount paid by EZ Legal to My Arizona Lawyers did not take into consideration certain deductions 1 petition, for services rendered or to be rendered in 2 contemplation of or in connection with the case by such attorney, and the source of such compensation. 3 (b) If such compensation exceeds the reasonable value of any 4 such services, the court may cancel any such agreement, or order the return of any such payment, to the extent 5 excessive . . . .

6 Federal Bankruptcy Rule 2016(b) requires that an attorney’s § 32931 disclosure include 7 “whether the attorney has shared or agreed to share the compensation with any other entity” and 8 “the particulars of any sharing or agreement to share” by the attorney.32 9 “Once the bankruptcy court determines that an attorney has violated § 329 and Rule 2016, 10 the bankruptcy court has the authority to order the attorney to disgorge all of his [or her] fees.” 11 In re Basham, 208 B.R. 926, 931 (9th Cir. BAP 1997), aff’d sub nom. In re Byrne, 152 F.3d 924 12 (9th Cir. 1998). “Even a negligent or inadvertent failure to disclose fully relevant information 13 may result in a denial of all requested fees.” In re Park-Helena Corp., 63 F.3d 877, 882 (9th Cir. 14 1995). 15 Section 528(a)(1)(B) requires debt relief agencies33 to execute written contracts “that 16 explain[] clearly and conspicuously the fees or charges [the agency will charge for] services, and 17 the terms of payment[.]” Pursuant to § 526(c)(1), “[a]ny contract for bankruptcy assistance 18 between a debt relief agency and an assisted person that does not comply with the material 19 requirements of . . . section 528 shall be void and may not be enforced by any Federal or State 20 court or by any other person, other than such assisted person.” 21 Section 526(a)(2) prohibits debt relief agencies from “mak[ing] any statement . . . that is 22 untrue or misleading, or that upon the exercise of reasonable care, should have been known by 23 31 Unless otherwise indicated, statutory references are to the Bankruptcy Code. 24 32 Federal Bankruptcy Rule 2016 was amended in 2024 “as part of the general restyling of the Bankruptcy Rules to make them more easily understood and to make style and terminology consistent throughout the 25 rules.” Fed. R. Bankr. P. 2016 Advisory Committee Notes (2024 Amendments). The 2024 amendments 26 were intended to be stylistic only. Id. 33 “[A]ttorneys who provide bankruptcy assistance to assisted persons are debt relief agencies . . . .” 27 Milavetz, Gallop & Milavetz, P.A. v. United States, 559 U.S. 229, 239, 130 S. Ct. 1324, 1333, 176 L. Ed. 2d 79 (2010). Ms. Kallen and My Arizona Lawyers admit that they are debt relief agencies within the 28 meaning of the Bankruptcy Code, and that they are therefore subject to the restrictions of § 526. (Trial 1 such agency to be untrue or misleading[.]” 2 Pursuant to § 526(c)(2):

3 Any debt relief agency shall be liable to an assisted person in the 4 amount of any fees or charges in connection with providing bankruptcy assistance to such person that such debt relief agency has 5 received . . . if such agency is found, after notice and a hearing, to have – 6 (A) intentionally or negligently failed to comply with any 7 provision of [§ 526] . . . or section 528 with respect to a case or proceeding under [the Bankruptcy Code] for such assisted 8 person; 9 (B) . . . ; or (C) intentionally or negligently disregarded the material 10 requirements of the [Bankruptcy Code] or the Federal Rules of Bankruptcy Procedure applicable to such agency. 11 12 Pursuant to § 526(c)(5), “[n]otwithstanding any other provision of Federal law and in 13 addition to any other remedy provided under Federal or State law, if the court, on its own motion 14 or on the motion of the United States trustee . . . , finds that a person intentionally violated 15 [§ 526], or engaged in a clear and consistent pattern or practice of violating [such] section, the 16 court may (A) enjoin the violation . . .; or (B) impose an appropriate civil penalty against such 17 person.” 18 Section 105(a) authorizes the Court to “issue any order, process, or judgment that is 19 necessary or appropriate to carry out the provisions of [the Code,]” and “take[] any action or 20 make[] any determination necessary or appropriate to enforce or implement court orders or rules, 21 or to prevent an abuse of process.” Further, the Court has broad inherent authority to sanction 22 bad faith conduct and discipline attorneys who appear before it. In re Deville, 280 B.R. 483, 494- 23 95 (9th Cir. BAP 2022), aff’d sub nom. In re Deville, 361 F.3d 539 (9th Cir. 2004); Erickson v. 24 Newmar Corp., 87 F.3d 298, 303 (9th Cir. 1996); In re Brooks-Hamilton, 400 B.R. 238, 246 (9th 25 Cir. BAP 2009); In re Cuomo, NV-13-1294-PaJuHl, 2014 WL 5358180, at *9 (9th Cir. BAP Oct. 26 21, 2014). 27 / / / 28 / / / 1 Pursuant to E.R. 1.8(a) of the Arizona Rules of Professional Conduct: 2 A lawyer shall not . . . knowingly acquire . . . [a] pecuniary interest 3 adverse to a client unless: (1) the transaction and terms on which the lawyer acquires the interest 4 are fair and reasonable to the client and are fully disclosed and transmitted in writing in a manner that can be reasonably 5 understood by the client; 6 (2) the client is advised in writing of the desirability of seeking and is given a reasonable opportunity to seek the advice of independent 7 legal counsel on the transaction; and 8 (3) the client gives informed consent, in a writing signed by the client, to the essential terms of the transaction and the lawyer’s role in the 9 transaction, including whether the lawyer is representing the client in the transaction. 10

11 Pursuant to E.R. 1.8(f) of the Arizona Rules of Professional Conduct:

12 A lawyer shall not accept compensation for representing a client from one other than the client unless: 13 (1) the client gives informed consent; 14 (2) there is no interference with the lawyer’s independence of professional judgment or with the client-lawyer relationship; and 15 (3) information relating to representation of a client is protected by ER 1.6. 16 17 “‘Informed consent’ denotes the agreement by a person to a proposed course of conduct 18 after the lawyer has communicated adequate information and explanation about the material risks 19 of and reasonably available alternatives to the proposed course of conduct.” Ariz. S. Ct. R. 42, 20 E.R. 1.0(e). 21 The record reflects that Ms. Kallen and her Firm have intentionally, or at a minimum 22 negligently, engaged in a clear and consistent, years-long pattern and practice of violating 23 material provisions of the foregoing sections of the Bankruptcy Code and Rules intended to 24 protect consumer debtors, and of violating Arizona’s Rules of Professional Conduct. As an initial 25 matter, although My Arizona Lawyers and EZ Legal, through their representatives, have 26 attempted to characterize their relationship as an arms-length lending arrangement between two 27 unrelated entities, this characterization is not supported by documentation, credible testimony, or 28 any other evidence. In reality, the parties were partners in the operation and financing of a law 1 firm in which they shared fees paid by debtor-clients of the Firm. This fee sharing arrangement 2 was not disclosed to debtor-clients nor to this Court. As discussed herein, when the improper 3 circumstances surrounding the fee sharing arrangement were brought to light, the parties lied to 4 this Court. 5 Even though Ms. Kallen and her Firm knowingly shared fees with EZ Legal, the 6 Disclosures of Compensation that Ms. Kallen filed with this Court did not disclose fee sharing 7 or the true source or amount of the compensation paid or to be paid to Ms. Kallen and her Firm, 8 in violation of § 329(a), Federal Bankruptcy Rule 2016(b), and § 526(a)(2). 9 The Firm’s Retention Agreements did not accurately, let alone clearly or conspicuously, 10 explain the fees and charges for the services to be provided to debtor-clients of the Firm, or the 11 terms of payment, in violation of § 528(a)(1)(B). The Firm’s Retention Agreements contain 12 material misrepresentations and/or material omissions pertaining to the arrangement with EZ 13 Legal, contain material misrepresentations pertaining to debtor payment obligations, and contain 14 inconsistent provisions when read with the Disclosures of Compensation and Promises to Pay.34 15 Further, the Retention Agreements contain numerous improper conflict of interest waivers. Given 16 the evidence and testimony, debtor-clients did not and could not have given informed consent to 17 the incurrence of post-petition debt owed to either the Firm or EZ Legal, and debtor-clients were 18 at no time advised of the direct conflicts of interest between themselves and Ms. Kallen and her 19 Firm. To expect debtor-clients, who are unsophisticated in the law, to understand documents 20 which are complex, inconsistent, contradictory, and overreaching, and which include numerous 21 direct conflict of interest waivers is not only outrageous but in direct violation of E.R. 1.8 of the 22 Arizona Rules of Professional Conduct. 23

24 34 The Court further notes that the Firm’s Retention Agreements, which provide that certain bankruptcy services will only be performed at the sole discretion of the Firm, and which provide that the Firm does 25 not represent debtors in certain bankruptcy matters, violate Local Rule 9010-1(c)(1), which rule requires 26 attorneys who file bankruptcy petitions to represent their debtor-clients in all matters, other than adversary proceedings, until the case is closed or the Court enters an order approving the withdrawal or 27 substitution of counsel. Ms. Kallen suggests that her Firm’s Retention Agreements do not violate Local Rule 9010-1(c)(1) because the actual practice of the Firm is to represent debtors-clients in all 28 administrative matters. However, under that interpretation, the Firm’s Retention Agreements contain 1 Ms. Kallen and her Firm have steered hundreds of inexperienced consumer debtors into 2 complicated, contradictory, and confusing fee and loan agreements without providing those 3 debtors with any clear explanation or guidance as to what they were agreeing to, what legal 4 services they could expect to receive, how much they were paying for their attorney’s services, 5 how much of a financing fee, if any, they would be obligated to pay, or how payments were to 6 be made. The Court finds that Ms. Kallen and her Firm’s position that their inadequate 7 disclosures and violations of the Bankruptcy Code and Federal Bankruptcy Rules were merely 8 inadvertent to be totally disingenuous and self-serving. 9 In view of the foregoing, it is the determination of this Court that the Firm’s Retention 10 Agreements in all EZ Legal Financed Cases, as set forth on the Case List, are void, and that Ms. 11 Kallen and her Firm are liable for all fees and charges paid by such debtors. 11 U.S.C. §§ 329, 12 526(c)(1), 526(c)(2)(A), 526(c)(2)(C); Fed. R. Bankr. P. 2016; In re Park-Helena Corp., 63 F.3d 13 877 (9th Cir. 1995); In re Basham, 208 B.R. 926 (9th Cir. BAP 1997), aff’d sub nom. In re Byrne, 14 152 F.3d 924 (9th Cir. 1998). Full disgorgement of all fees that have been paid by debtors in the 15 EZ Legal Financed Cases in the sum of $1,644,566 is therefore appropriate, any outstanding 16 balances are cancelled, and any collection efforts are prohibited. Further, as discussed above, 17 during these proceedings, Ms. Kallen has made statements to this Court that she knew or 18 reasonably should have known to be false and/or misleading, and Ms. Kallen and her Firm have 19 failed to timely and fully comply with this Court’s orders. Ms. Kallen and her Firm’s conduct, 20 practices, and lack of candor to this Court constitute a clear abuse of the bankruptcy system for 21 which additional sanctions are necessary and appropriate. 22 EZ Legal, for its part, has admittedly financed a law practice, shared fees with that law 23 practice, obtained access to sensitive personal information of debtor-clients, and in some cases 24 obtained the Promises to Pay from debtor-clients of My Arizona Lawyers. Under this structure, 25 EZ Legal has collected and retained fees in Chapter 7 cases under terms that were never fully or 26 accurately communicated to debtors, in writing or otherwise. The funds that EZ Legal collected 27 and retained were funds that debtor-clients of My Arizona Lawyers were told constituted 28 attorney’s fees. In reality, the fees EZ Legal collected or pursued collection of, which are 1 25-38% more than the fees actually paid by EZ Legal to My Arizona Lawyers, are the equivalent 2 of undisclosed financing fees and/or interest charges, and constitute an undisclosed fee sharing 3 arrangement. Further, EZ Legal has made misrepresentations to this Court and intentionally and 4 willfully violated orders of this Court issued during the pendency of this proceeding. EZ Legal’s 5 conduct, practices, and lack of candor to the Court constitute a clear abuse of the bankruptcy 6 system, which warrants sanctions. 7 Given the Court’s determination that the Firm’s Retention Agreements in the EZ Legal 8 Financed Cases are void, neither My Arizona Lawyers nor EZ Legal retain any legal right or 9 authority to collect any funds from such debtor-clients. In fact, EZ Legal acknowledges that it 10 has no independent right to collect any payments from debtor-clients of the Firm whose cases 11 were filed during the First Iteration or Second Iteration.35 EZ Legal, however, asserts that this 12 Court has no basis to void the Promises to Pay because the Promises to Pay are post-petition 13 obligations which were incurred to extinguish the debtors’ obligations to pay My Arizona 14 Lawyers post-petition legal fees. Contrary to EZ Legal’s assertions, there is no evidence before 15 this Court that debtors were ever informed that their obligations to My Arizona Lawyers would 16 terminate upon execution of the Promise to Pay. In fact, the Promises to Pay directly contradict 17 this position by stating “You will be required to pay EZLegalFees regardless of your dealings 18 with MyAzLawyers.” (Trial Ex. 6 at 16). The terms of the Retention Agreements are also directly 19 contrary to the position asserted by EZ Legal. 20 Based upon the foregoing and the entire record, it is the determination of the Court that 21 EZ Legal’s position that the Promises to Pay constitute independent post-petition loan 22 transactions is not convincing and is totally without merit. Given the Court’s determination that 23 the Promises to Pay used during the Third Iteration do not constitute independent post-petition 24 loan transactions, and given that the legal fees are no longer due and owing by debtor-clients 25 pursuant to this Court’s voiding of the relevant Retention Agreements, the Promises to Pay must 26 also be voided by this Court. 27 The pattern and extent of the parties’ misconduct, the disregard for the Bankruptcy Code 28 1 and Bankruptcy Rules, the lack of candor to the Court, the harm to consumer debtors, and the 2 parties’ abuse of the bankruptcy system in this District is abundantly clear in the record before 3 the Court. Wherefore, based upon the foregoing, in consideration of the totality of the testimony 4 and evidence presented, and the entire record before the Court; 5 IT IS HEREBY ORDERED that the UST Motion is granted as set forth herein. 6 IT IS FURTHER ORDERED that any and all retention, fee, and financing agreements, 7 including all Promises to Pay, between Ms. Kallen, My Arizona Lawyers, EZ Legal, and Ms. 8 Kiesel, and any and all debtors on the Case List, are void. 9 IT IS FURTHER ORDERED that My Arizona Lawyers and Ms. Kallen shall 10 collectively disgorge $1,644,566.00 to the Clerk of Court via a check payable to “Clerk, U.S. 11 Bankruptcy Court,” to be held in the Court’s registry, in a non-interest-bearing account, pending 12 further Court order. 13 IT IS FURTHER ORDERED that any unpaid amounts allegedly owed to My Arizona 14 Lawyers, Ms. Kallen, EZ Legal and/or Ms. Kiesel by or on behalf of the debtors on the Case List 15 pertaining to their respective bankruptcy cases (the “Debtor Obligations”) are cancelled. 16 IT IS FURTHER ORDERED that My Arizona Lawyers, Ms. Kallen, EZ Legal, and Ms. 17 Kiesel, individually or through any entity, are prohibited from engaging in any collection efforts 18 and/or accepting any payments of the Debtor Obligations. 19 IT IS FURTHER ORDERED that Ms. Kallen and My Arizona Lawyers are barred and 20 enjoined from filing bankruptcy cases in the District of Arizona for a period of at least two years 21 (the “Two-Year Suspension”). In the event full disgorgement has been made as set forth above, 22 and to the extent Ms. Kallen and/or My Arizona Lawyers want to resume filing bankruptcy cases 23 in this District after the end of the Two-Year Suspension, such party or parties must seek approval 24 from the Chief Judge for the U.S. Bankruptcy Court for the District of Arizona, with notice to 25 the Office of the United States Trustee. 26 IT IS FURTHER ORDERED that EZ Legal and Ms. Kiesel, individually or through any 27 entity, are permanently barred and enjoined from providing any lending and/or financing 28 pertaining to any bankruptcy cases filed in the United States Bankruptcy Court for the District of 1 Arizona. 2 IT IS FURTHER ORDERED that My Arizona Lawyers, Ms. Kallen, EZ Legal, and Ms. 3 Kiesel shall remove any negative credit notations they have placed on the credit reports of any 4 debtors on the Case List, including any negative credit notations indicating late payments or an 5 outstanding balance, within 30 days of the date of this Order and file a certificate of compliance 6 with the Court (the “Credit Reporting Order”). 7 IT IS FURTHER ORDERED that if My Arizona Lawyers, Ms. Kallen, EZ Legal, and/or 8 Ms. Kiesel fail to timely comply with the Credit Reporting Order, any impacted debtor on the 9 Case List may submit a copy of this Ruling and Order to the appropriate credit reporting agency. 10 IT IS FURTHER ORDERED that My Arizona Lawyers, Ms. Kallen, EZ Legal, and Ms. 11 Kiesel shall ensure that no negative credit notations in relation to the Debtor Obligations are 12 placed on any credit reports in the future. 13 IT IS FURTHER ORDERED that this Court will retain jurisdiction over all matters 14 pertaining to this Ruling and Order, including enforcement and future distribution of disgorged 15 funds. Notice regarding procedures for distribution of any amounts disgorged will be provided 16 to affected debtors at a later date. 17 Debtors who have questions or concerns may contact the Court’s Self-Help Center at 18 (602) 682-4007 for assistance, or may request a hearing in their individual case.

20 21 22 23 24 25 26 27 36 Ms. Kiesel and EZ Legal have already been permanently barred and enjoined from providing any 28 lending and/or financing services pertaining to any bankruptcy cases filed in this District in the Ambs Case Number Debtor Name(s) 2:22‐bk‐03073‐BKM DILLON LAWRENCE MURRAY 2:22‐bk‐03121‐MCW LADEREK WALTER KETEN 2:22‐bk‐03123‐PS EDGAR RIVAS‐VIGIL 2:22‐bk‐03147‐PS MANUEL DELUNA 2:22‐bk‐03153‐DPC WILLIE LARRY LEWIS 4:22‐bk‐03167‐BMW SELINA ANGELA PACHECO 2:22‐bk‐03170‐PS DEMARCUS ANTION COLEMAN 2:22‐bk‐03178‐BKM JASON ANDREW SIMPSON 2:22‐bk‐03185‐BKM NERISSA ABBOTT 4:22‐bk‐03189‐BMW NATHEN ALLEN CHRISTIAN 4:22‐bk‐03208‐BMW YOGIDEVI MAAT 2:22‐bk‐03210‐EPB LAUREN D GOINGS 2:22‐bk‐03212‐PS ESTEFANI SALAZAR 2:22‐bk‐03217‐MCW JUAN ANTONIO GARIVO ESPINOZA 2:22‐bk‐03221‐PS DAVID GUERRERO 4:22‐bk‐03225‐SHG TRACY ALAN ROTHSTEIN and JENNIFER S ROTHSTEIN 2:22‐bk‐03240‐EPB ANDREA CORKE GALLOWAY 2:22‐bk‐03242‐MCW JASON BERNARD MCALLISTER 2:22‐bk‐03250‐DPC SARINA ROSEANN DIMAGGIO 4:22‐bk‐03287‐SHG ERICK SHAUN FERGUSON 4:22‐bk‐03293‐BMW JAMES L ALLEN, JR. 4:22‐bk‐03317‐SHG CESAR DAVID CAMBEROS 4:22‐bk‐03318‐BMW KEENAN TIMOTHY MADDOCK and TABITHA BRITTANY LOCHNER MADDOCK 4:22‐bk‐03335‐SHG MANUEL A. RIOS and ALMA DELIA RIOS 2:22‐bk‐03339‐EPB AMY SUE GORDON 2:22‐bk‐03372‐D PC SCOTT CHRISTOPHER KOEPPEN 4:22‐bk‐03374‐SHG MICHAEL ANTHONY SCOGGINS and ERIN LYNNE SCOGGINS 2:22‐bk‐03383‐EPB MARGARET MELINDA GUZMAN 2:22‐bk‐03405‐PS TARA C OLDEN 2:22‐bk‐03410‐MCW AZIHA RAINE BROWN 4:22‐bk‐03427‐SHG DANIEL LOUIS STEWART and CONNIE LOUISE STEWART 4:22‐bk‐03431‐BMW JEANNIE M LAROSE 4:22‐bk‐03435‐SHG MISTY D MEARS 2:22‐bk‐03440‐DPC SEAN RYAN KILKENNY 4:22‐bk‐03474‐SHG ELIAS O DOSTER 2:22‐bk‐03489‐DPC WILLIAM RICHARD CARR, III ‐ Deceased 2:22‐bk‐03577‐PS DENISE ANTOINETTE HILL 2:22‐bk‐03595‐MCW CAMERON M UDY 4:22‐bk‐03622‐BMW SKLOR RYAN REBER and TAYLER ELIZABETH REBER 4:22‐bk‐03653‐SHG COLLEEN M BECKER 4:22‐bk‐03662‐BMW JOSE LUIS RIVERA, JR. 2:22‐bk‐03789‐MCW THOMAS LEE MORRIS 2:22‐bk‐03818‐PS KOURTNY DEMOND COOPER 2:22‐bk‐03858‐EPB DATRON TERREL MORGAN 2:22‐bk‐03886‐PS JEFFREY A HERALD 2:22‐bk‐03906‐PS ROBERT K. PARIS 2:22‐bk‐03909‐DPC SHARI ANNE MEDINA 2:22‐bk‐03912‐BKM EPIPHANY DUKE 2:22‐bk‐03913‐MCW KOURTNEI DEIJANAE HARRIS 2:22‐bk‐03914‐DPC HANNA CHRISTIAN SCOTT 2:22‐bk‐03915‐EPB RICK JAMES 2:22‐bk‐04018‐MCW EDWARD M CORIA 2:22‐bk‐04029‐PS ANDREA SUE NEWBURGH 2:22‐bk‐04040‐PS PATRICIA ANN WANCZYK 2:22‐bk‐04049‐DPC PEGGY J SALAS 4:22‐bk‐04057‐BMW CYNTHIA SUE MARTIN 2:22‐bk‐04069‐EPB MARCELA MARIA CASTANEDA 2:22‐bk‐04076‐DPC ALFONSO SERRANO and ODALIS MARLENE SERRANO 2:22‐bk‐04084‐BKM RUTH L CHAYTOR 2:22‐bk‐04097‐EPB KEVIN D. KAISER 2:22‐bk‐04248‐PS CHRISTOPHER LASHON MORGAN 4:22‐bk‐04317‐BMW KIMBERLY L LEWIS 4:22‐bk‐04343‐SHG MELODY LEANNE SALAZAR 0:22‐bk‐04373‐SHG TRACY ONASCH 4:22‐bk‐04403‐SHG CATHY J. STAHL 2:22‐bk‐04427‐DPC MARY LOUISE WARRICK 2:22‐bk‐04440‐MCW QUAN MINH NGUYEN 2:22‐bk‐04643‐DPC ANNA LIZA L BANGOY 2:22‐bk‐04703‐EPB HECTOR MANUEL FLORES 2:22‐bk‐04723‐PS BRITTANY LACOLE THOMPSON 2:22‐bk‐04742‐EPB MARCUS LEE SAUNDERS and YADIRA SAUNDERS 2:22‐bk‐04747‐EPB ALEX JOSEPH LANGSFORD 4:22‐bk‐04759‐SHG VIVIANA ELISA ALCANTARA 2:22‐bk‐04769‐BKM MICHELLE CLARICE JUMPER 2:22‐bk‐04777‐BKM ANGELA LOUISE STROUSE 2:22‐bk‐04936‐PS ASHLEY ANNETTE GAITER 2:22‐bk‐04940‐EPB KARINA M RUIZ LUGO 2:22‐bk‐04961‐EPB DAWENTZA REYANN FLORES 2:22‐bk‐04981‐EPB DIANA L SALAZAR URIBE 2:22‐bk‐04982‐MCW IRA ANTHONY BUBE and SARAH MICHELLE BUBE 2:22‐bk‐04988‐DPC STEVEN F MILLER 2:22‐bk‐04999‐MCW DREUX E. MARQUARDT 2:22‐bk‐05020‐EPB FRANK E. TORRES and GUADALUPE LABORIN 2:22‐bk‐05084‐PS MARCO ALON FLORES ZAMORA and ADELAIDA ACOSTA HERRERA 2:22‐bk‐05098‐MCW TARAH LEIGH MILLER 4:22‐bk‐05124‐BMW DIANA SUE GERBER 2:22‐bk‐05133‐PS LAURIE LYNN MARTINEZ 2:22‐bk‐05161‐BKM SHANEAKQUA JONES 4:22‐bk‐05172‐BMW DEVIN A ROSE 2:22‐bk‐05184‐MCW MICHAEL L COLVIN 2:22‐bk‐05280‐PS RACHAEL LYNN THIELE 2:22‐bk‐05318‐DPC ROBERT EUGENE GILBERT 4:22‐bk‐05326‐BMW JOSHUA THOMAS HERMOSILLO 2:22‐bk‐05334‐DPC KRYSTAL TAQUETTAROYALTY GREEN 2:22‐bk‐05355‐EPB PAUL GONZALES 2:22‐bk‐05378‐PS BRANDON LEE BARTON 2:22‐bk‐00537‐PS ALICIA N. RUE 2:22‐bk‐02353‐MCW JENNY L MOYER 2:22‐bk‐05443‐EPB CHRISTOPHER CORTEZ HERNANDEZ 2:22‐bk‐05445‐EPB BILLY R RIGGS and NAOMI JEAN RIGGS 2:22‐bk‐05454‐BKM ELIJAH CRUZ and ALLIE ROBYN CRUZ 2:22‐bk‐05472‐EPB JUSTIN TAYLOR JAFFE 4:22‐bk‐05476‐BMW ALEXIS N RUIZ 2:22‐bk‐05493‐PS SUSAN CAROL WOLVEN 2:22‐bk‐05549‐MCW SHARON J GREEN 2:22‐bk‐05567‐DPC SHANNON BENCIVENGA 2:22‐bk‐05571‐DPC ERIK J FEELEY 2:22‐bk‐05578‐EPB CHRISTOPHER JAMES KERSEY 2:22‐bk‐05630‐BKM CHEYANNE GRADIE RIGGS 2:22‐bk‐05634‐DPC MARIBEL M VILLEZCAS 2:22‐bk‐05649‐EPB HENRY LA MAGNA, JR. and JACQUELINE LA MAGNA 4:22‐bk‐05659‐BMW BARBARA M CORRAO 2:22‐bk‐05674‐EPB MONICA SELINA CIPRIANI 4:22‐bk‐05679‐SHG EMMA LHIA ELDER 2:22‐bk‐05681‐BKM CHARLES JOHN HERNANDEZ and GLORIA MARIE HERNANDEZ 2:22‐bk‐05695‐EPB JOHN JAMES COLLONDREZ, JR. 2:22‐bk‐05709‐MCW BREEANNA MICHELLE SANCHEZ 2:22‐bk‐05711‐PS SHIRLEY ANN PIERINI 2:22‐bk‐05712‐BKM PAMELA LOUISE JENKINS 4:22‐bk‐05713‐SHG VERONICA TERESE ALVAREZ 2:22‐bk‐05731‐DPC KHALEEL LAMONT BRANDY 2:22‐bk‐05737‐DPC LISA A. LOPEZ 2:22‐bk‐05765‐DPC GARY BARRETT 2:22‐bk‐05766‐PS JORDAN V MECHAM 2:22‐bk‐05797‐BKM KATHLEEN ANN BEHRENS 4:22‐bk‐05806‐SHG KAILAH CIMONE COOK 2:22‐bk‐05810‐MCW JOSEPH GERARD DEY 2:22‐bk‐05815‐EPB CORTNEY J LAMB 2:22‐bk‐05817‐EPB JACK H BEGAY 2:22‐bk‐05840‐BKM JOSHUA DWAYNE EIFORT and ESTELLA LILLIAN WHITTLE‐EIFORT 2:22‐bk‐05842‐EPB PICHILLA LUCE WILEY 4:22‐bk‐05847‐BMW JESSICA NICOLE RAMIREZ 2:22‐bk‐05857‐MCW CHERYN A. VALENTINE 2:22‐bk‐05865‐DPC LAWANA ANTIONET RICHARDS 4:22‐bk‐05867‐SHG JEREMY MICHAEL DANIELS 2:22‐bk‐05934‐EPB CHELSEA ANNE PINDELL 4:22‐bk‐05935‐SHG TABITHA DAWN GOMER 2:22‐bk‐05995‐PS ROBERT JON SCHWICHTENBERG and GAIL M SCHWICHTENBERG 2:22‐bk‐05991‐BKM KATHERINE ANNE SPIVEY 4:22‐bk‐06034‐SHG EDELMIRA CECENA 2:22‐bk‐06061‐EPB NICOLE RENEE MORRIS 2:22‐bk‐06064‐BKM LILIANA THOMAS 2:22‐bk‐06081‐PS DAVID A REURINK and BARBARA ANN REURINK 2:22‐bk‐06090‐PS DAWN MARIE KOPATICH 2:22‐bk‐06128‐PS JESSICA LYNN SPERA‐MOLNAR 2:22‐bk‐06129‐DPC CHRISTOPHER MATTHEW OGLE 2:22‐bk‐06143‐EPB YASMEEN VILLALOBOS 4:22‐bk‐06145‐SHG EBONY NICOLE JONES 4:22‐bk‐06167‐BMW JANNIRE YAZMIN CHASE 2:22‐bk‐06172‐EPB KIMBERLY A BAKER 2:22‐bk‐06176‐PS ANNA LIZA L BANGOY 2:22‐bk‐06181‐EPB LUKE WILLIAM ISAAC RYBERG 2:22‐bk‐06211‐MCW DEBRA LYNN PORE 4:22‐bk‐06254‐SHG WENDY R HANCOCK 2:22‐bk‐06269‐MCW JASON DANIEL TUCKER 2:22‐bk‐06273‐DPC GARY KING WALLER and DIANA YOLANDA WALLER 2:22‐bk‐06299‐PS HEATHER SCHILLING 4:22‐bk‐06355‐SHG CHERISH MICHAEL RAGLIN 2:22‐bk‐06365‐DPC BRYAN LESLIE MEFFERD and DEBRA ANN MEFFERD 2:22‐bk‐06374‐BKM THOMAS VERNON RACHELS, JR. and MELISSA ROSE RACHELS 2:22‐bk‐06375‐PS JAD MICHAEL MOURSEL 2:22‐bk‐06376‐MCW RODRIGO AVILA VALLEJO and VERONICA VALLEJO 2:22‐bk‐06378‐EPB ZACHARY R. BECKER 2:22‐bk‐06380‐BKM CONSTANCE ANN LINDSEY 2:22‐bk‐06381‐BKM STEPHANIE W CROUDEP 2:22‐bk‐06447‐EPB TYNICA RENEE THOMAS 2:22‐bk‐06473‐MCW JEFFREY ARNOLD GARCIA MUTTER and CARLOS A GARCIA RIOS 2:22‐bk‐06475‐EPB CHARRISE MARIE ODOM 2:22‐bk‐06489‐BKM FRANCISCO JAVIER CARBALLO 2:22‐bk‐06493‐DPC ALYSIA RAE ASHLEY 2:22‐bk‐06508‐PS SHAWN ERIC MCFADDEN and LYNN MARIE MCFADDEN 2:22‐bk‐06535‐PS MICHAEL R FELTEN and EVELYN FELTEN 2:22‐bk‐06536‐DPC KIMBERLY MARIE CASEY 4:22‐bk‐06563‐SHG BARBARA JEAN ADAMS 2:22‐bk‐06572‐BKM CHAUNCEY DARNELL OSBY and MARQUITA MARIE OSBY 2:22‐bk‐06576‐EPB LASHAWNDA YVETTE FULLER 2:22‐bk‐06577‐BKM OLIVIA CIARA BAKEMAN 2:22‐bk‐06585‐PS JAMES BRIAN SHULER and JENNIFER ANN SHULER 4:22‐bk‐06600‐SHG DIANA VANESSA MARTINEZ 2:22‐bk‐06621‐EPB LILLIAN GRACE TOWNSEND 2:22‐bk‐06826‐EPB MARLA MARIE LINDER 2:22‐bk‐06892‐MCW DUSTIN DAVID DIETZ ACKLEY 4:22‐bk‐06894‐BMW MARIA R. HERNANDEZ 2:22‐bk‐06896‐BKM ARLIEN BALTIERRA AYON 2:22‐bk‐07060‐EPB CAROL M VOLLAND 4:22‐bk‐07075‐BMW JOHN JOSHUA WATSON and MARY ELIZABETH GEIOGAMAH 4:22‐bk‐07108‐SHG YVETTE MARGARITA CONTRERAS 0:22‐bk‐07139‐PS PAULA LEE SHAW 2:22‐bk‐07147‐BKM CHAUNCEY DARNELL OSBY 2:22‐bk‐07158‐MCW DUANE MICHAEL RUPP 4:22‐bk‐07161‐BMW SUSAN DAWN TOVAR 3:22‐bk‐07173‐DPC EDWARDO O DURAN, SR. and AMY S. DURAN 2:22‐bk‐07176‐PS JOHN ARTHUR ANDERSON and DEBRA MARIE ANDERSON 4:22‐bk‐07185‐SHG TARRA ELISABETH LA FLAMME 4:22‐bk‐07188‐BMW CASANDRA STEPHENS GALLOWAY 0:22‐bk‐07189‐PS CARLTON HUGH HENRY, JR. 2:22‐bk‐07194‐MCW CONSTANCE D ARAIZA 2:22‐bk‐07229‐PS ANAHI CRUZ 4:22‐bk‐07242‐BMW DAVID ANTHONY MARISCAL 2:22‐bk‐07254‐MCW MONICA MICHELLE SLUSHER 2:22‐bk‐07301‐PS KIMBERLY NESCHEA CARROLL 4:22‐bk‐07307‐SHG ROGER ALAN COTTON, JR. 2:22‐bk‐07310‐DPC LA'MORA D'JANAE CAREY 4:22‐bk‐07343‐BMW RYAN RUSSELL ULRICH and CORRIE MARIE ULRICH 4:22‐bk‐07371‐BMW NANCY MARIVEL PALMA 2:22‐bk‐07406‐PS MUREEN J DURAN 2:22‐bk‐07412‐MCW KEITH JAMES FITZPATRICK 2:22‐bk‐07430‐PS BRIAN SCOTT FARMER 4:22‐bk‐07436‐SHG EUGENE LAQUAN BATEMAN and EBONY CHRISTIAN BATEMAN 2:22‐bk‐07442‐EPB BRANNON THOMAS MULLINS and MELISSA JONELL MULLENS 4:22‐bk‐07445‐BMW FRANCES K ANDAZOLA 2:22‐bk‐07447‐DPC BARBARA A WEBB 2:22‐bk‐07462‐BKM SHARON REBECA GUERARD 2:22‐bk‐07513‐DPC AMANDA NICOLE STARR 2:22‐bk‐07518‐BKM CARLOS ANTONE AUTMAN 2:22‐bk‐07525‐D PC LUISA EVONNE VALDEZ 4:22‐bk‐07541‐BMW BENJAMIN JOSEPH BECKHAM 2:22‐bk‐07546‐MCW JENNIFER N AGUAYO 3:22‐bk‐07560‐DPC TRAVIS RYAN WILLIAMS and RENEE ELIZABETH WILLIAMS 4:22‐bk‐07562‐SHG CHRISTIAN MICHAEL PORTER 4:22‐bk‐07612‐SHG WHITNEY DOMINIQUE BOLING 4:22‐bk‐07613‐SHG DEE ANN STAGGS 2:22‐bk‐07622‐DPC SAMANTHA KRISTIN GARY 2:22‐bk‐07629‐MCW ORIEN L HEUPEL 2:22‐bk‐07665‐EPB QUIONE JANAE SIMS 4:22‐bk‐07669‐BMW KURT SALEM BACHMAN and PAMELA CLARK BACHMAN 2:22‐bk‐07703‐EPB SHANE WESLEY ALLEN 4:22‐bk‐07704‐SHG DAVID L HOLM and LAURIE HOLM 2:22‐bk‐07757‐B KM GAIL M JANSEN 2:22‐bk‐07762‐PS BEVERLY M HENRY 2:22‐bk‐07763‐DPC JACQUELINE BELLASTARAE LAMBERTO 2:22‐bk‐07776‐DPC HILDA MORACHIS 2:22‐bk‐07791‐BKM JUAN DANIEL ALVAREZ 2:22‐bk‐07796‐MCW ROBERT LITTLETON 2:22‐bk‐07810‐DPC MARK D VANDERWERF 4:22‐bk‐07837‐SHG STACEY TERRY 2:22‐bk‐07838‐DPC KAREN K LOVING 2:22‐bk‐07848‐BKM CHERYL ANN BRANSCUM 2:22‐bk‐07854‐MCW CINDY L RHEA 2:22‐bk‐07856‐BKM KEVIN JOSEPH CHEUNG 4:22‐bk‐07857‐SHG MARY LEE HAYES 2:22‐bk‐07861‐PS LORENZO PAUL MARQUEZ 2:22‐bk‐07862‐MCW CORVON TIWAN BIBBS 2:22‐bk‐07871‐P S TAMARA RENEA WEBB 2:22‐bk‐07898‐EPB STACEY DAWN MCNEIL 4:22‐bk‐07940‐SHG CARLOS NAVARETTE MADRID 2:22‐bk‐07957‐DPC TIFFANY EILEEN THOMAS 2:22‐bk‐07969‐EPB BRANDYN RAE BALLARD 2:22‐bk‐07980‐P S LAUREN LEANN LUKE 2:22‐bk‐07981‐MCW VICKIE SUE ARKADIE 2:22‐bk‐07988‐PS RYLEE LARAE JOHNSON 2:22‐bk‐07989‐DPC CLINTON JACKSON 2:22‐bk‐07994‐BKM ANDREW G LACINAK, JR. and KATHLEEN ANN LACINAK 2:22‐bk‐07998‐EPB MICHAEL ANDREW RIDDER, JR. 2:22‐bk‐08005‐MCW STEVEN MICHAEL CARROLL and DENISE ROSE CARROLL 2:22‐bk‐08008‐EPB WILLIAM CURTIS WALKER and RONELLA WALKER 2:22‐bk‐08130‐MCW DALE RICHARD MOORE and DEBBIE MAE MOORE 2:22‐bk‐08132‐DPC ALBERTO G ROSCIANO 2:22‐bk‐08148‐PS KATRINA MONIQUE MCCLAIN 2:22‐bk‐08187‐DPC JENNA LEE GOODIN 2:22‐bk‐08193‐PS CLAYTON HUNT 2:22‐bk‐08195‐EPB MONAYE JAVONNE WILLIAMS 2:22‐bk‐08197‐EPB REBECCA LYNN MALDONADO 2:22‐bk‐08226‐MCW SHANNON LEIGH DIEHL 2:22‐bk‐08240‐EPB RICK S RODRIGUEZ and STACIA A. RODRIGUEZ 2:22‐bk‐08241‐DPC BRENDA S MULLER 4:22‐bk‐08259‐BMW CATHERINE ELIZABETH FELTNER 2:22‐bk‐08264‐BKM JOHN ARTHUR MORRIS and JUDY A MORRIS 2:22‐bk‐08305‐MCW JOHN AVERY LEE and TERI KAY LEE 4:22‐bk‐08315‐SHG BRIANA HURTADO MORAN 4:22‐bk‐08339‐SHG DESIREE DAWN DEFOE 2:22‐bk‐08341‐PS BRITTANY VANOSDOL 2:22‐bk‐08360‐BKM JAIME LYNN FISH 2:22‐bk‐08381‐PS TERESA GARDEA BARRAZA 2:22‐bk‐08391‐EPB LUZ MARIA OLIBARRIA 2:22‐bk‐08425‐DPC TIKISHA TILEWA FAGBEMI 2:22‐bk‐08501‐EPB PATRICIA DEANNE SCOTT 2:22‐bk‐08511‐PS ERICA KRYSTAL RIGGINS 2:22‐bk‐08520‐DPC ASHLEY NICOLE SOURS 2:22‐bk‐08527‐EPB CARIE CAROLINE THOMAS 2:22‐bk‐08530‐EPB HADEN HENRY ALLEN 2:22‐bk‐08532‐BKM CONNIE JUNE DAVIS 2:22‐bk‐08556‐BKM KELLY NICHOLE HYDE 2:22‐bk‐08567‐MCW MONICA MARCELLA 2:22‐bk‐08592‐EPB MARISA NAIMA DRIVER 2:22‐bk‐08593‐PS APRIL MARIE GRIFFITH 4:22‐bk‐08594‐BMW JANNA ROSE 2:22‐bk‐08595‐BKM BRITNEY NICOLE GONZALES 4:23‐bk‐00047‐BMW JEFFREY ALAN BECK and IRMA MERCEDES VANDENSTEEN‐BECK 2:23‐bk‐00094‐DPC REED W PENROD and RACHEL R PENROD 2:23‐bk‐00133‐DPC JORGE ARMANDO NAVA‐AGUILAR 4:23‐bk‐00173‐BMW THOMAS M SPERANZA and BARBARA J SPERANZA 2:23‐bk‐00226‐DPC ASIA ADONIS YOUNG 2:23‐bk‐00228‐BKM GERARDO ALBERTO PENA 4:23‐bk‐00229‐SHG ROBERT BRIZUELA 2:23‐bk‐00231‐EPB ELESE DELET BATES 2:23‐bk‐00232‐BKM BRITNEY TERRELL MARSHALL 4:23‐bk‐00236‐BMW MELANIE YVONNE JONES 4:23‐bk‐00249‐SHG SAMANTHA NICOLE GILBERTI 2:23‐bk‐00259‐EPB MICHAEL RAE SEE and DORIS JANE SEE 2:23‐bk‐00262‐EPB REYNALDO HERNANDEZ CASTRO, III and ERICA DIONNE CASTRO 4:23‐bk‐00274‐BMW RANDALL CRAIG MOORE 2:23‐bk‐00286‐PS ALFRED BELLIZIO and LINDA ANN BELLIZIO 2:23‐bk‐00310‐DPC ALEAHA DESHAWN GONZALEZ 2:23‐bk‐00316‐BKM RENA ANNEMARIE BAILON 4:23‐bk‐00323‐BMW MICHAEL EUGENE BRIAN MOSELEY and JENNIFER NOELLE MOSELEY 4:23‐bk‐00363‐SHG KIMBERLY A FORE 2:23‐bk‐00386‐BKM JOSE CHRISTIAN ECHEVERRY ARANGO 2:23‐bk‐00412‐MCW JOSE JESUS QUEZADA RUIZ 2:23‐bk‐00413‐PS MERRI CHRISTINE JANNETTO 4:23‐bk‐00421‐S HG TRUDY ANN MILDEBRATH 2:23‐bk‐00446‐DPC GREGORIO LEON and BRIAN PATRICK BOGGS 2:23‐bk‐00447‐MCW KRYSTAL MARIE MOORE 4:23‐bk‐00463‐SHG JESSE GARRETT SCHOONEJONGEN and ALECIA MARIE SCHOONEJONGEN 2:23‐bk‐00466‐PS JAMES WALLEN DOVINE, III 2:23‐bk‐00467‐DPC DEVON CHRISTOPHER MCLAUGHLIN 4:23‐bk‐00496‐BMW PAMELA A PARKER 2:23‐bk‐00497‐BKM RENEE ESTHER GRUSY 2:23‐bk‐00498‐EPB SARANNA INGRID DAVIDSON 2:23‐bk‐00528‐DPC TILTON LAMAR POYNTER and ALFREDA LASHON POYNTER 4:23‐bk‐00530‐BMW SIARA INEZ SANCHEZ 2:23‐bk‐00531‐DPC RONALD ELVIN SIMMONS and NIKKI ANNE GOMES 2:23‐bk‐00532‐BKM NATASHA Y DALLAS 2:23‐bk‐00569‐BKM KOLBE ALEXANDRE DUMAS 4:23‐bk‐00570‐BMW DALLAS MERRILL 2:23‐bk‐00612‐DPC CHARLES R ENRIQUEZ 2:23‐bk‐00613‐PS ANNETTE SMITH 4:23‐bk‐00616‐SHG LOURDES SOLEDAD KIM 2:23‐bk‐00619‐MCW ALEXIS CRISTINE RIVERA 2:23‐bk‐00621‐BKM ASHLEY M CHEATHAM 2:23‐bk‐00625‐BKM ERIN CASSANDRA GIBBS 4:23‐bk‐00626‐SHG DIANA DAMIANO 4:23‐bk‐00682‐BMW THOMAS J GUTIERREZ 2:23‐bk‐00687‐EPB TAVIA KIARA BROWN 4:23‐bk‐00690‐SHG JANNIE LYNN BEGAY 2:23‐bk‐00717‐DPC VERONICA MARQUISHA BRANTLEY 2:23‐bk‐00720‐DPC SHELBY ANNA KEATING 4:23‐bk‐00769‐SHG JULIO GUADALUPE NUNEZ 2:23‐bk‐00794‐MCW DYLAN DONOHOO and SARINA ELIENE REYES 2:23‐bk‐00795‐BKM KATIE ANNE THOMPSON 4:23‐bk‐00828‐SHG JOHNNY RAMIREZ SALMON, JR. and DESIREE R SALMON 2:23‐bk‐00840‐BKM ARTHUR PEREZ, JR. 4:23‐bk‐00843‐BMW WILLIAM J MULLEN and NANCE A MULLEN 2:23‐bk‐00849‐EPB JASON B DUNAWAY 4:23‐bk‐00877‐SHG ROBERT CHARLES DOTY 2:23‐bk‐00888‐EPB RICHARD WAYNE NELSEN 2:23‐bk‐00925‐DPC QUINISHA MONET CLINKSCALES 2:23‐bk‐00927‐EPB PEDRO ESPINOZA, III 4:23‐bk‐00950‐BMW RUBEN L ROBLES and DIANA M. ROBLES 2:23‐bk‐00974‐MCW JACQUELINE M ROWLEY 2:23‐bk‐01031‐MCW NOAH VINCENT GUERRERO and AUTUMN MARCELLA GUERRERO 2:23‐bk‐01072‐MCW DAMION D GASTON and ANNETTE JEAN GASTON 4:23‐bk‐01106‐BMW GARY LEROX COX, SR 4:23‐bk‐01107‐SHG DANIEL EDWARD WILLIS and PATRICIA ANN WILLIS 2:23‐bk‐01129‐WPB RAQUEL BRIDGET AYALA 2:23‐bk‐01130‐B KM JESSICA LYNN CALVIN 2:23‐bk‐01151‐PS JANIE LYNN ANDERSON 2:23‐bk‐01153‐BKM CAROL J PALMER 2:23‐bk‐01159‐PS XAQARIA ANTHONY KAI GOODNOUGH and CHELSEA NICOLE GOODNOUGH 4:23‐bk‐01186‐BMW HUNTER RYAN RUDZIK 4:23‐bk‐01197‐SHG CHARLES T ROBINSON 4:23‐bk‐01227‐SHG TANYA LIVIA CASTRO 2:23‐bk‐01229‐EPB AMY LYNN ESPINOZA 2:23‐bk‐01245‐PS GUADALUPE CORIA 2:23‐bk‐01249‐DPC DAMON J ELLISON 4:23‐bk‐01260‐SHG RONALD THOMAS SMITH and HEATHER MARIE SMITH 2:23‐bk‐01261‐EPB MARGARET ELLEN SCHULHOF 2:23‐bk‐01321‐MCW ZULEMA JUDITH FLORES‐RUIZ 4:23‐bk‐01330‐SHG HECTOR HERNANDEZ SANCHEZ, SR. and ALMA LILIAN SANCHEZ 4:23‐bk‐01334‐SHG PLETTE ALANA HALL 2:23‐bk‐01343‐BKM DOUGLAS ALLEN WATERS 2:23‐bk‐01358‐BKM STEVEN JOHN HOEHNER 2:23‐bk‐01398‐PS JOSE MIGUEL CONTRERAS 4:23‐bk‐01401‐SHG PATRICK THOMAS HANCE 2:23‐bk‐01430‐DPC AQUANETTA L TAYLOR 2:23‐bk‐01436‐MCW JON DUBIN 2:23‐bk‐01439‐EPB MARC STERLING CRISWELL and DEBBIE LYNN CRISWELL 2:23‐bk‐01453‐PS QUINCY NICOLE BAKER 2:23‐bk‐01459‐MCW VICTORIA AGUIRRE GOMEZ ROJAS 2:23‐bk‐01466‐EPB MONIQUE FIGUEROA 2:23‐bk‐01496‐EPB HANNAH LEE RITCHIE 2:23‐bk‐01507‐BKM VERONICA FIGUEROA 2:23‐bk‐01512‐EPB REGINALD A MORRIS and CHERIE MICHELLE MORRIS 4:23‐bk‐01532‐BMW WAYLON ISAIAH YARBROUGH 2:23‐bk‐01553‐MCW ANTHONY JOSEPH DIMAGGIO 2:23‐bk‐01587‐EPB MICHAEL W FISH and JESSICA ANN FISH 4:23‐bk‐01611‐BMW SANTIAGO ROBINSON and RITAMARIE YOLANDA ROBINSON 2:23‐bk‐01664‐PS DUJUAN GLASPY 2:23‐bk‐01699‐BKM JOHN PATRICK HOUSE 2:23‐bk‐01766‐BKM MARIA GUADALUPE CHAVEZ FLORES 2:23‐bk‐01827‐DPC JASON OWEN BEASLEY and ELIZABETH ANNE BEASLEY 4:23‐bk‐01835‐SHG VANESSA RAYELL SWANN 2:23‐bk‐01841‐BKM MARIA A RAMIREZ 4:23‐bk‐01850‐SHG KELLY AYLIN SANTOS 4:23‐bk‐01853‐SHG ERIC T WHITNEY 4:23‐bk‐01854‐SHG NATHAN J CAREY 4:23‐bk‐01873‐BMW STEVEN W MOYERS and AMALIA TEC MOYERS 4:23‐bk‐01882‐SHG ADILENE IDALY IBARRA 2:23‐bk‐01889‐EPB MARISSA VALERA 4:23‐bk‐01891‐PS ROJEANA KATHLEEN WYMBS 2:23‐bk‐01894‐EPB CAREY JACOB‐BAER SHIREY and AMBER LYNNE STEIN 2:23‐bk‐01907‐DPC KEVIN CHRISTOPHER COR ANDERSON 2:23‐bk‐01924‐MCW BENJAMIN CHRISTIAN HULTQUIST and BRITTANY RAE‐ROSE HULTQUIST 2:23‐bk‐01937‐BKM KATHLEEN RENE HALL‐RAMER 2:23‐bk‐01957‐DPC RYAN BRENDON BOCCARDI and CECILIA MARIE BOCCARDI 4:23‐bk‐01958‐BMW LUCHANA MARIA THOMPSON 2:23‐bk‐01966‐MCW SURGERY DENISE BLUNT 4:23‐bk‐01979‐BMW ANDREW GLEN PULLIAM and CHERIE LEE PULLIAM 2:23‐bk‐02003‐MCW LISA S CERVANTES 2:23‐bk‐02005‐DPC IVAN MEDINA‐LOPEZ 2:23‐bk‐02008‐BKM CHRISTINA MARIE GLASFORD 4:23‐bk‐02014‐BMW RICARDO OSVALDO MONTEJANO ALCARAZ, III 2:23‐bk‐02041‐MCW JOHN LLOYD MCLENNAN 2:23‐bk‐02042‐EPB MEGAN ELIZABETH DAY 4:23‐bk‐02046‐SHG BRIANNA COLLEEN TONE 2:23‐bk‐02055‐MCW MARSHA LYNN KENNEDY 2:23‐bk‐02056‐PS MICHAEL C BOGDAN 4:23‐bk‐02058‐BMW KELLI RENEE EASTBURN 4:23‐bk‐02079‐EPB JEFFREY DAVIS 2:23‐bk‐02181‐MCW JAIRO SAID ORTEGA 2:23‐bk‐02203‐BKM VICKIE S GLAUSER 4:23‐bk‐02222‐BMW AMY L. ELLINGER VERDUGO 4:23‐bk‐02223‐BMW SHAUN MICHAEL GALANEK 2:23‐bk‐02291‐BKM LARRY GENE SILL and MARY BELLE SILL 2:23‐bk‐02293‐EPB WILFRED PAGAN 2:23‐bk‐02311‐PS PHILIP SCOTT WILLIAMS, JR. 2:23‐bk‐02365‐PS ERIANA ALYSSA SAMORA 2:23‐bk‐02399‐MCW LINDA ANGELIC BENK 2:23‐bk‐02408‐BKM JAMES R CLEMENSON 2:23‐bk‐02430‐EPB EVANGELINA VARGAS COVARRUBIAS 4:23‐bk‐02473‐SHG REYNALDA ANN JAMES 2:23‐bk‐02488‐EPB AGAZIT NEGASI GOITOM 2:23‐bk‐02490‐DPC ZACHARY WAYNE ERFORT and SARAH BAILEY ERFORT 2:23‐bk‐02492‐PS ISAIAH JOSHUA MAURICE MENA 3:23‐bk‐02546‐DPC SHELMA YANIN OSORIO 2:23‐bk‐02574‐EPB JOSHUA ISAIAH TERRANOVA 2:23‐bk‐02576‐DPC DANIELLE ALEXANDRIA LANDWERSIEK 2:23‐bk‐02591‐BKM ENRIQUE ALONSO COTA 2:23‐bk‐02609‐DPC GERARD F CHIMENTO 2:23‐bk‐02622‐MCW SOLEDAD URIBE CUADROS 2:23‐bk‐02660‐MCW RUSSELL D ARY 4:23‐bk‐02667‐SHG HAILEE LYNN BELL 4:23‐bk‐02707‐BMW MIGUEL HECTOR CASTILLO 2:23‐bk‐02714‐MCW JOSE ARMANDO RAMIREZ 4:23‐bk‐02722‐SHG CARL ANTHONY MORGAN and RACHAEL C MORGAN 2:23‐bk‐02723‐DPC CHRISTOPHER SEAN WILLIAMS and SINA M NIELSEN‐WILLIAMS 2:23‐bk‐02762‐PS AARON JODY OROSCO and KELSEY ANGELA SMITH 2:23‐bk‐02766‐MCW THOMAS G BLUM 4:23‐bk‐02768‐BMW VANESSA LOURDES PADILLA 2:23‐bk‐02770‐BKM TIFFANY NOEL FORNOFF 2:23‐bk‐02773‐BKM SHARON D ROBINSON 2:23‐bk‐02795‐PS CASSIE MARIE ARICK 2:23‐bk‐02809‐MCW JASON DANIEL JOHNSON and NICOLE E GLOVER 2:23‐bk‐02816‐PS MATTIE LAURA THOMAS 2:23‐bk‐02861‐DPC SHANNON LEE MOSSNER 2:23‐bk‐02901‐DPC ANABEL SOSA 2:23‐bk‐02936‐EPB OTIS N WALLACE 2:23‐bk‐02937‐PS JAMEL ELMORE and TONI T ELMORE 2:23‐bk‐03004‐BKM SHERMAN DOUGLAS SEELYE 4:23‐bk‐03025‐SHG SUSAN LEE BARKER 2:23‐bk‐03028‐EPB FRANCISCO RAYMOND ESQUERRA and VICTORIA L ESQUERRA 2:23‐bk‐03039‐PS ADRIAN JESUS JIMENEZ‐RAMOS 2:23‐bk‐03044‐EPB BRANDON DAVID KOLE 4:23‐bk‐03046‐SHG CECIL RICARDO GEORGE 2:23‐bk‐03099‐PS ASHLEY M HORNER 2:23‐bk‐03116‐DPC HILARIO SAMUDIO 2:23‐bk‐03124‐EPB JENNA IRENE DAWSON 2:23‐bk‐03180‐EPB THOMAS EDWARD SAMS 2:23‐bk‐03198‐MCW MARIA NICOLE LAFAUCI 2:23‐bk‐03221‐PS KAYLA MILES 4:23‐bk‐03235‐BMW DAVID WILLIAM MURRAY 4:23‐bk‐03267‐BMW MATHEW A HOGGAN and JAMIE JO HOGGAN 2:23‐bk‐03306‐EPB KENNEICE SHA RON HUMPHREY 4:23‐bk‐03344‐BMW CHRISTOPHER RAYMOND and ERIKA RAYMOND 2:23‐bk‐03335‐MCW JASON DUANE DICE 2:23‐bk‐03390‐PS SARAI PEREZ 2:23‐bk‐03396‐PS BRANDON SCOTT VELLON‐MCALISTER and JAZYMINE AALIYAH DION MCALISTER 3:23‐bk‐03426‐DPC ROBIN M HADEN 4:23‐bk‐03480‐SHG DAVID ALEXANDER GRAY 2:23‐bk‐03484‐EPB DENISE MONIQUE DAVIS HILL 2:23‐bk‐03499‐PS JEVON TORRELL BROWN 2:23‐bk‐03515‐EPB CAROL ANN PRUSA 4:23‐bk‐03524‐SHG KRISTEN ANN SURGENOR 2:23‐bk‐03568‐PS DANIELLE KATHERINE GARCIA 4:23‐bk‐03586‐BMW ANISHA DENISE HARRIS 2:23‐bk‐03618‐DPC RICARDO CRUZ, JR. 2:23‐bk‐03637‐EPB RALPH SEBASTIAN VESCIO, III and MICHELLE LEE VESCIO 4:23‐bk‐03646‐BMW WAYNE PAUL LINDBERG and TABITHA NICOLE LINDBERG 4:23‐bk‐03673‐BMW ROGER DALE WORLEY JR, II 2:23‐bk‐03710‐DPC YVETTE SABLAN LUJAN 2:23‐bk‐03719‐PS REBECCA MARIE WESTOVER 2:23‐bk‐03753‐BKM BRANDON RAY RIDDELL and SUSANA ROSE RIDDELL 2:23‐bk‐03779‐PS ASHLEY MCKINNEY 2:23‐bk‐03795‐DPC STEPHANIE A OLGUIN 2:23‐bk‐03804‐BKM DORISA FAYE MCMILLIAN 2:23‐bk‐03830‐BKM MITCHELL LEE BLUME and ALEXANDRA CARMEN FLORES 2:23‐bk‐03860‐EPB JEFFREY P ROYER 2:23‐bk‐03956‐PS ELZA PEREZ VALENZUELA 4:23‐bk‐03979‐SHG FRANCIS LORRAINE ELY 4:23‐bk‐03995‐SHG JOSHUA DANIEL CATHEY and ELLA MACAYDEN MOORE 2:23‐bk‐04085‐MCW DYLAN XUE QUEARY 2:23‐bk‐04100‐EPB CARLOS A RAMIREZ and VERONICA MONIQUE RAMIREZ 2:23‐bk‐04106‐BKM JENNIFER DAWN PARMER 2:23‐bk‐04115‐EPB CANDI HERNANDEZ 2:23‐bk‐04139‐MCW ANDREW DUNCAN SHAVER and JENNA PHYLICIA ANN SHAVER 2:23‐bk‐04163‐MCW KENNETH PETERSEN, JR. and ROSE D PETERSEN 2:23‐bk‐04167‐BKM MICHAEL DANIEL GUZMAN 2:23‐bk‐04184‐PS SHERRI A BENENATI 2:23‐bk‐04193‐EPB JOEL WILLIAM FOLIO 2:23‐bk‐04196‐BKM SHERRI MAE SPRAGUE 2:23‐bk‐04235‐DPC ROBERT R LANE, JR. 2:23‐bk‐04237‐DPC SHAWN DEAN MILTON 4:23‐bk‐04244‐BMW HARRY B SHAW, JR. and LORRAINE SHAW 2:23‐bk‐04255‐PS CHYNA TANAE THIRDGILL 4:23‐bk‐04271‐BMW JENNIFER MARIE HAUSE 4:23‐bk‐04276‐SHG ADILENE GARCIA‐ZUNIGA 2:23‐bk‐04331‐EPB HANNAH MILLER 4:23‐bk‐04335‐BMW MARK ALAN SHORTZ, SR. and LORI BOLESKY SHORTZ 2:23‐bk‐04348‐MCW CHRISTINA INEZ WILLOUGHBY 2:23‐bk‐04355‐BKM ADAM WEGNER 4:23‐bk‐04501‐BMW ALEXIS PAIGE PENTTILA 4:23‐bk‐04531‐BMW JULIA FABIOLA LORETO 4:23‐bk‐04541‐BMW JOANNA KATHRYN‐LYNN CERRELI 2:23‐bk‐04632‐MCW BRANDON DOUGLAS HERRERA 2:23‐bk‐04638‐EPB TERRELL D HALL 3:23‐bk‐04650‐DPC GREGORY ALLEN ZEPEDA 4:23‐bk‐04697‐SHG RICHARD JOSE QUINTERO 2:23‐bk‐04706‐DPC SHANNON LANAE GILBERT 2:23‐bk‐04707‐BKM BARBARA L MELCHERT 2:23‐bk‐04819‐MCW MAX WILLIAM CHRISTIANSEN and KRISTEN ANN CHRISTIANSEN 2:23‐bk‐04827‐DPC SEAN BRYAN CLEARY 4:23‐bk‐04842‐SHG BRANDON RECHET GEORGE 2:23‐bk‐04853‐EPB SHANE MICHAEL MCCLURG and MONA CAMILLE MCCLURG 2:23‐bk‐04866‐MCW YAZMIN OCHOA 2:23‐bk‐04869‐BKM REBECA PEREZ 2:23‐bk‐04895‐DPC JORDAN SKYLAR ADDISON 2:23‐bk‐04926‐EPB WILLIAM JUSTIN SEDGWICK and DANIELLE MARIE SEDGWICK 4:23‐bk‐04955‐BMW ARMANDO D ORANTEZ 4:23‐bk‐04982‐BMW MARY ANTOINETTE GRANILLO 2:23‐bk‐05039‐DPC JACOB DARRELL LOCKABY 2:23‐bk‐05094‐MCW LILLI ANN GONZALEZ 4:23‐bk‐05109‐BMW ANDREA NICOLE DAVIS 2:23‐bk‐05115‐EPB NASTASSJA HIAWATHA MCROYAL HILLIS 2:23‐bk‐05143‐DPC LAURIE A CAHILL 2:23‐bk‐05184‐EPB ELIZABETH A REGNIER 4:23‐bk‐05187‐SHG EDWARD F BROOKS and AMBER LEE BROOKS 2:23‐bk‐05218‐PS KAREN JOY PATTERSON 2:23‐bk‐05224‐PS PAULA J CHATFIELD 2:23‐bk‐05266‐DPC BLAINE LORAINE GAYLE ARMSTRONG 2:23‐bk‐05315‐BKM MARY ANNITA ZANE 2:23‐bk‐05316‐MCW MARCUS JERMAINE TOWNSEND and KATHERINE RUTH TOWNSEND 2:23‐bk‐05318‐MCW KIM LEANN SERNA 4:23‐bk‐05350‐BMW ELIZABETH ANN SEMINARIO 4:23‐bk‐05383‐SHG NACOLE MARIE MARGRAF 4:23‐bk‐05387‐SHG MARY TERESA ESTRADA 4:23‐bk‐05455‐SHG VINCENT P SALERNO and SHARON LEA SALERNO 2:23‐bk‐05483‐MCW DEBORAH A GONZALES 2:23‐bk‐05488‐MCW ERIKA VANESSA BAUTISTA 4:23‐bk‐05493‐SHG MARCELLA MONIQUE GAMEZ 2:23‐bk‐5514‐MCW ANALOU SOLIS 2:23‐bk‐05517‐PS JANICE THERESE SWANNER 2:23‐bk‐05520‐EPB JACOB LAWRENCE LAGER 2:23‐bk‐05532‐PS COREENA RAMOS 2:23‐bk‐05541‐DPC MATTHEW ALAN PRISKORN 4:23‐bk‐05547‐SHG JUSTIN CHAS JACKSON and CHRISTINE SUSAN JACKSON 4:23‐bk‐05550‐SHG HOPE M GARCIA 2:23‐bk‐05594‐PS VICTORIA LYNN YAZZIE 4:23‐bk‐05600‐BMW SERENA M SCHMECHEL 4:23‐bk‐05623‐BMW KYLEIGH ALEXUS RICHARDSON 2:23‐bk‐05640‐DPC MELISSA DAWN LYONS 2:23‐bk‐05642‐BKM MARIA LOUISA KRUM 2:23‐bk‐05670‐BKM CANDIANN BROWN 2:23‐bk‐05675‐DPC DESA JENAY CHANNEL PHIPPS 4:23‐bk‐05705‐SHG NANCY ANGELICA BARRAZA 4:23‐bk‐05773‐BMW GERALD LEE MORTS and CAROL L MORTS 2:23‐bk‐05786‐DPC MAURICE LEON JACKSON, JR. 2:23‐bk‐05800‐DPC PHILLIP L HADLEY and LORI ANN HADLEY 2:23‐bk‐05852‐BKM MONIQUE LOGAN 3:23‐bk‐05867‐DPC ADRIENNE DRYDEN 2:23‐bk‐05869‐EPB SARAH ANNE PLEVA 4:23‐bk‐05877‐BMW CARLOS ABDIEL PERDOMO 2:23‐bk‐05880‐BKM RYAN MATTHEW HILLAGE and MADELINE RACHEL BRAINARD 4:23‐bk‐05897‐SHG JACOB DANIEL LINDSEY and MAIA T LINDSEY 4:23‐bk‐05898‐BMW RICHARD J VELLON 2:23‐bk‐05910‐BKM APRIL MARIE BULLOCK 2:23‐bk‐05941‐DPC DENIS CARRANZA‐OLIVEROS 2:23‐bk‐05948‐MCW ANTOINE RAMOS SANCHEZ and MARIA LUISA VARGAS 2:23‐bk‐05960‐PS TONYA DIANNE MINGLE 2:23‐bk‐05964‐PS MATTHEW AUSTIN GEUBTNER 4:23‐bk‐05975‐BMW JENNY LYNN GURECKI 2:23‐bk‐05986‐DPC LISA MARIE DAVIS 2:23‐bk‐06004‐EPB MELISSA MARIE DALTROFF 4:23‐bk‐06005‐SHG JAMIE MONIQUE LOTT 2:23‐bk‐06013‐PS REBECCA KU'ULEI HOYLE 4:23‐bk‐06021‐SHG ENRIQUE ALEJANDRO ROBLES LEYVA and LILIAN C LEYVA 2:23‐bk‐06026‐MCW JASON RC WYSS 2:23‐bk‐06063‐DPC TYRONE D LAWRENCE 2:23‐bk‐06070‐MCW SHARLA ROCHELLE BOOKMAN 2:23‐bk‐06091‐MCW TIFFANI MARIE PIZANA 2:23‐bk‐06096‐DPC DEBRA MARIE SORGER 2:23‐bk‐06097‐BKM CHRISTA JAYNE HUBBELL 2:23‐bk‐06100‐DPC WENDI ELIZABETH DAVIDSON 2:23‐bk‐06103‐EPB CHRISTOPHER JOHN EHRHART 4:23‐bk‐06142‐BMW NICOLE LYNETTE GARCIA 0:23‐bk‐06144‐PS STEVEN LESTER VOLZ, JR. 2:23‐bk‐06156‐MCW DOUGLAS LINDSAY DILLER and SANDREA PAGE DILLER 2:23‐bk‐06178‐MCW ROBERT M HAYS and HEATHER A JUGOVICH 4:23‐bk‐06242‐BMW NECOLE C HAMPTON 4:23‐bk‐06271‐SHG ANDRE ASHFORD and EVELYN VIVEROS GUTIERREZ 4:23‐bk‐06272‐SHG ALAN VIDAL HUMMEL 2:23‐bk‐06273‐PS ERIKA MARIE KORHUMMEL 4:23‐bk‐06318‐SHG WENDY KATHLEEN COMSTOCK 2:23‐bk‐06347‐BKM KATHERINE ANNETTE BINION 2:23‐bk‐06362‐DPC JOSEPH RAY FEIST 3:23‐bk‐06366‐DPC GAVINO P MARTINEZ and JESSICA ANN MARTINEZ 2:23‐bk‐06369‐DPC ARIEL OLIVER 3:23‐bk‐06386‐DPC ASHLEY RENEE MCKAY 2:23‐bk‐06389‐EPB VICTORIA LEE POLTROCK 2:23‐bk‐06393‐BKM LESLIE A BUFORD 2:23‐bk‐06408‐DPC DAVID M RAMIREZ 2:23‐bk‐06419‐MCW BRANDY LYNN KELLEY 2:23‐bk‐06425‐PS RUBEN FELIX ALEJANDRO LOPEZ 2:23‐bk‐06433‐DPC CHARNECE JUDGES 4:23‐bk‐06436‐SHG DAVID BERNARD VALDEPENA 2:23‐bk‐06470‐EPB IREYA DANIELLE THOMAS 4:23‐bk‐06514‐BMW JESUS M CANEZ and DEBRA A CANEZ 2:23‐bk‐06527‐DPC PARKER DEAN BROOKS 2:23‐bk‐06536‐DPC DARYL M APPLEBEE and PRECIOSA R APPLEBEE 4:23‐bk‐06568‐SHG ABBEY JEAN LOVING 2:23‐bk‐06580‐BKM MARY DELORES BURNETT 2:23‐bk‐06632‐DPC ERIKA QUIROZ 4:23‐bk‐06652‐SHG DEREK JOSEPH WILSON 2:23‐bk‐06657‐DPC ERIC SCOTT FOBAR 2:23‐bk‐06681‐BKM BRYAN DALTON 4:23‐bk‐06702‐SHG CECILY MARIE JIMENEZ 2:23‐bk‐06703‐DPC MARK ANTHONY CERVANTEZ 2:23‐bk‐06706‐EPB DOUGLAS BARTHOLOMEW TROTTI and HEATHER RAE TROTTI 0:23‐bk‐06737‐PS JOIE ELIZABETH MARIE WILLIAMS 3:23‐bk‐06742‐DPC TINA MARIE CARZOLI 4:23‐bk‐06757‐BMW MELINDA MARIE JOHNSON 4:23‐bk‐06780‐SHG KATHERINE ELIZABETH GARCIA 2:23‐bk‐06794‐MCW CHERON BARBARA PIPER 2:23‐bk‐06796‐DPC CZARINA CEZARINE FAJARDO 2:23‐bk‐06799‐DPC HALEY MARIE JOINER 2:23‐bk‐06871‐BKM JOHN M OZENICH 4:23‐bk‐06875‐SHG ANTOINETTE MICHELLE PERO 2:23‐bk‐06877‐EPB JENNA ROSE PLOPPER 2:23‐bk‐06886‐BKM ELIZABETH CUEVAS 2:23‐bk‐06891‐PS DEMETREUS TRAVON FIELDS 2:23‐bk‐06908‐MCW REBECCA LYNN RUEDA 2:23‐bk‐06909‐DPC WACEY ROYCE BITSON 2:23‐bk‐06911‐BKM JENNIFER WISNESS 2:23‐bk‐06939‐BKM VICTORIA DELGADO 2:23‐bk‐06941‐DPC SHAMETRICE PENNINGTON 2:23‐bk‐06943‐DPC JANET LEE GOLLHARDT 2:23‐bk‐06944‐D PC JOHNRYAN G ANDERSON and BRITNY TAVILLA 2:23‐bk‐06947‐BKM DANIEL ANTHONY MUNOZ MAIORANA 2:23‐bk‐06950‐BKM EDWARD COLE and TRINDA PRECIOUS STONE 2:23‐bk‐06951‐DPC STEPHEN COLE LEE BEAL 4:23‐bk‐06952‐SHG ANNABELLE MARTINEZ TRUJILLO 4:23‐bk‐06953‐SHG MELISSA MARIE FIERROS 2:23‐bk‐06960‐BKM DAVID CARL MARXMAN 2:23‐bk‐07124‐PS BRANDON LEE SKODINSKI 2:23‐bk‐07126‐PS STEPHANIE ANNE PARK 4:23‐bk‐07136‐SHG ROBERT P KREBS and JENNIFER KAYE KREBS 2:23‐bk‐07142‐DPC SHQUETTEA LASHA LOFLAND 2:23‐bk‐07144‐BKM TIMOTHY SCOTT CARROLL and CARRIE SUE CARROLL 2:23‐bk‐07153‐DPC DANIEL SANTOS and REBEKAH MARIE GARIBAY 4:23‐bk‐07154‐SHG JESUS DAVID ARAIZA 2:23‐bk‐07161‐EPB ANISSA L HAZARD 2:23‐bk‐07162‐DPC TATE JEREMIAH ROAN 2:23‐bk‐07188‐BKM ANDREW JEREMY MORENO 4:23‐bk‐07193‐SHG ROBERT ANTHONY GOMEZ 2:23‐bk‐07228‐DPC CALEN CARRINGTON SPENCER 2:23‐bk‐07333‐E PB PERIS RENE STEWART 2:23‐bk‐07335‐BKM BRIAN SCOTT MERRITT and DIANEMARIE DELOS REYES KINLICHEE 2:23‐bk‐07365‐PS TONY L ARRINGTON, SR. and ERICA DIANE DAVIS 4:23‐bk‐07398‐BMW LISA JANETTE PRICE 2:23‐bk‐07463‐DPC VALERIE LEE CORRELL 2:23‐bk‐07534‐MCW MARK EDMUND ZEMRUS and STACY L GNEWUCH 4:23‐bk‐07563‐SHG BETTY ANN GARCIA 2:23‐bk‐07590‐PS DYLAN REX HART and SHELBY RAE EAGLE 2:23‐bk‐07723‐DPC TARA ANN BROWN 2:23‐bk‐07774‐BKM RUBY PALACIOS 2:23‐bk‐07783‐DPC DANIELLE DOMONIQUE JACKSON 2:23‐bk‐07890‐DPC AMANDA JACQUELINE CHAIRA 4:23‐bk‐07893‐BMW KAYLA IRENE BIERSTEDT 2:23‐bk‐07899‐BKM MARIALUCIA BESA MAMAWAL 2:23‐bk‐07905‐MCW JOSE GUADALUPE CORREA and JUANA LIZETTE CORREA 2:23‐bk‐07928‐DPC MYRON WARREN DEYOUNG and HEIDI YVONNE DEYOUNG 2:23‐bk‐07948‐BKM CRAIG MICHAEL JANISCH 2:23‐bk‐07998‐DPC MARRTELL STONE WASHINGTON 4:23‐bk‐08034‐SHG APRIL ANN BARKLEY 4:23‐bk‐08042‐SHG DIANA K DURAKO 2:23‐bk‐08053‐EPB MIKAEL WESLEY CLONTZ and HEATHER MARIA CLONTZ 2:23‐bk‐08056‐BKM KAITLEN MARIE ROCHA and JAZMINE ROCHA 4:23‐bk‐08079‐BMW DYJON DANTE PRIMMER 2:23‐bk‐08084‐EPB SHANIKA RENEE WALLACE 2:23‐bk‐08091‐BKM ANABELLE C GONZALEZ 2:23‐bk‐08134‐EPB APRIL LEILANI SUZUKI 2:23‐bk‐08161‐PS LILA ST MARTIN 4:23‐bk‐08170‐SHG LINO DAVID LOPEZ, JR. and ZOE ANAID LOPEZ 2:23‐bk‐08176‐MCW JOHNNY ROBIN PRESCOTT and ASHTON KIMBERLE PRESCOTT 2:23‐bk‐08190‐MCW COURTNEY C SHUFFLER 2:23‐bk‐08265‐EPB CRUZ SALAZAR SOTO 4:23‐bk‐08266‐BMW SHEENA MONIQUE JONES 2:23‐bk‐08315‐PS RICHARD S GIMBEL and KATHERINE M GIMBEL 2:23‐bk‐08329‐BKM SARAH LYNN GOMEZ 2:23‐bk‐08357‐EPB RAMON GALARZA MORALES 4:23‐bk‐08362‐BMW RENEE E BOULER 2:23‐bk‐08379‐DPC JESUS FRANISCO VALDEZ and SARAH RUTH‐ELAINE VALDEZ 4:23‐bk‐08407‐BMW ESTEBAN DANIEL NAVA 4:23‐bk‐08416‐BMW AUTUMN MICHELLE NEVAREZ 2:23‐bk‐08420‐EPB ALICIA LEA BEATY 2:23‐bk‐08441‐EPB BRANDI JO CROWE 2:23‐bk‐08451‐BKM BRENDA M LACHNEY 2:23‐bk‐08473‐BKM FIDELINA ROSALES 4:23‐bk‐08492‐BMW PRESTON JOE SCHAEFER 4:23‐bk‐08502‐BMW TERESA ANN BILKE 2:23‐bk‐08528‐DPC SPENCER ALAN MCINTYRE 4:23‐bk‐08545‐BMW MAHER H SHUHAIBER and KIFAYA ZAKARIA SHUHAIBER 4:23‐bk‐08546‐BMW RICKY ROMO BADILLA 2:23‐bk‐08565‐EPB DONALD MUYAH TAYE 2:23‐bk‐08583‐EPB JOSHUA TRUSH‐HEREDIA and AIRENE LEGAL HEREDIA 2:23‐bk‐08607‐EPB ARNELLE DAVIS 2:23‐bk‐08610‐EPB SHAQUALLE ANYE TINNIN 2:23‐bk‐08613‐EPB ADRINA ADELINA BARRIENTE 2:23‐bk‐08619‐MCW DIANNA LYNN LEDERER 2:23‐bk‐08621‐MCW TIMOTHY AUSTIN MOSEGARD 2:23‐bk‐08707‐MCW JULIAN RICHARD TOSCANA 4:23‐bk‐08724‐SHG DELORES D MEJIA 4:23‐bk‐08726‐SHG TYLER HOWARD ROBINSON 2:23‐bk‐08731‐DPC ROBERT SOLIS and MARIA CATHERINA SOLIS 2:23‐bk‐08797‐DPC BAILEE BRIANNE ALLISON 2:23‐bk‐08810‐BKM PATRICIA A OLIVER 4:23‐bk‐08838‐BMW LYNISSA LASHAER COARD 2:23‐bk‐08853‐DPC SCOTT M ANAU 4:23‐bk‐08945‐BMW DYLAN SCOTT RUBY 2:23‐bk‐08947‐MCW ZAK ULYSSES WILLES and KIMBERLY SARA WILLES 2:23‐bk‐08965‐PS EDWARD CARR 2:23‐bk‐08967‐BKM CHARLES DANIEL POLEO and TERESA IRENE POLEO 2:23‐bk‐08973‐DPC ANTHONY DOW HINCHCLIFF and NANCY J HINCHCLIFF 2:23‐bk‐08980‐MCW ROCHELLE TOLMAN BROWN 2:23‐bk‐08986‐BKM APRIL SALENE KAUTZ 2:23‐bk‐09053‐MCW TREVON LEON FRANKLIN 4:23‐bk‐09077‐SHG ZULMA GRISCELDA PYLE 4:23‐bk‐09084‐SHG REBECCA ALONDRA CASILLAS ALMADA 2:23‐bk‐09111‐PS MICHAEL ALEXANDER NUNEZ 2:23‐bk‐09118‐EPB FRANK ANTERI 2:23‐bk‐09132‐PS ASHLI JASMIN FRANKLIN 2:23‐bk‐09166‐EPB ADILENE ROBLES 4:23‐bk‐09174‐SHG JAMEY BOLIVAR 2:23‐bk‐09184‐MCW JAMES E MURRAY 2:23‐bk‐09216‐BKM JAZLYN PARIS CHAN 4:23‐bk‐09306‐SHG RAUL M. EVANS and LILLIAN EVANS 2:23‐bk‐09312‐EPB RALPH B NETTLE and EUGENIA DARLENE NETTLE 4:23‐bk‐09321‐SHG JEFFREY FRANK ALBANO and TAMMY LEE ALBANO 4:23‐bk‐09324‐SHG CRAIG CUNNINGHAM 2:23‐bk‐09345‐BKM DARCY LYNN BREAULT 2:23‐bk‐09348‐BKM LAUREN DANIELLE WOODSON 2:23‐bk‐09352‐PS SHEILA MARIE TODD 2:23‐bk‐09353‐BKM LAURI TERESE WORLES‐SCOTT 2:23‐bk‐09354‐DPC GINA NICOLE GALINDO 2:24‐bk‐00043‐DPC MEEKA NICHOLE POWELL 2:24‐bk‐00066‐BKM MICHELLE ELIZABETH BONEBRAKE 2:24‐bk‐00077‐BKM BENITO VIDAL TAFOYA 2:24‐bk‐00081‐DPC CALEB JARRETT FULKS 4:24‐bk‐00088‐BMW JIM BOB DODSON and JAN CAMELA DODSON 4:24‐bk‐00134‐BMW SALINA E GRAJEDA 2:24‐bk‐00156‐EPB DIANA LUCERO LOPEZ GARCIA 4:24‐bk‐00195‐SHG SHARON ANN PARMENTIER 2:24‐bk‐00196‐MCW DEVIN MICHAEL GRAY and MARY ROSE GRAY 2:24‐bk‐00197‐BKM NATHAN HARRY FLOYD 2:24‐bk‐00198‐DPC ROBERT DENAPOLI 4:24‐bk‐00232‐BMW JOSHUA KRAEMER 4:24‐bk‐00240‐SHG MARIO ALEJANDRO RODRIGUEZ and CHERIECE R RODRIGUEZ 2:24‐bk‐00242‐DPC SPENCER TROY GERMAN 4:24‐bk‐00243‐BMW THOMAS MATTHEW MITCHELL and DORINDA MITCHELL 2:24‐bk‐00300‐EPB ALEX GEORGE GRACE 2:24‐bk‐00322‐EPB AMBER ROSE RUMANUK 2:24‐bk‐00342‐DPC ROBERT WILIAM GREENFIELD and SHERRIE DEE GREENFIELD 2:24‐bk‐00349‐PS AMBER MARIE ZYGNER 2:24‐bk‐00366‐EPB RANDY D HANES 2:24‐bk‐00393‐MCW MELISSA L CARRANZA 2:24‐bk‐00399‐BKM MICHELE LEE BOCCHINFUSO 4:24‐bk‐00410‐BMW KATHRYN MARGARET MCGINNIS 4:24‐bk‐00444‐BMW ERIC STEPHEN SAKONYI and MICHELLE KRISTINE SAKONYI 2:24‐bk‐00532‐EPB TAMIKA MICHELLE JONES 4:24‐bk‐00533‐BMW KHRISTINA EVELYN FRANCO‐MYERS 2:24‐bk‐00622‐PS ROBERTA WILSON 4:24‐bk‐00624‐BMW KAREN LYNN ESPINOZA 2:24‐bk‐00627‐MCW DONNIE LEE CHAMBERS and GWENDOLYN MARIE CHAMBERS 2:24‐bk‐00629‐DPC LAUREN GLENN WIMBERLY 2:24‐bk‐00637‐MCW DAVID EUGENE HAUSMAN and JULIE HAUSMAN 2:24‐bk‐00646‐EPB ERICA R MCQUOWN 2:24‐bk‐00664‐BKM NADIA ELNORE HENRY 4:24‐bk‐00665‐SHG AMITY JEANNETTE THOMAN 2:24‐bk‐00679‐PS PATRICK ALLEN EDWARDS and NANCY ROXANNE GIRGENTI 4:24‐bk‐00683‐BMW CHASE EVAN SMITH 2:24‐bk‐00708‐MCW DEMITRA LAKEESHA CROSSLIN 2:24‐bk‐00726‐BKM ALEXIS JEANELLE COULTER 2:24‐bk‐00771‐EPB BETHANY GRISMORE 2:24‐bk‐00815‐PS IRAHILDA MARIE ACOSTA‐MORALES 2:24‐bk‐00824‐PS SUSAN C VENEZIANO 2:24‐bk‐00888‐MCW LISA K GRAVES 2:24‐bk‐00895‐MCW BETH A. HARVILL 2:24‐bk‐00896‐EPB RAINER M MEHLAU 2:24‐bk‐00920‐PS ELIZABETH AVILA 2:24‐bk‐00924‐EPB THERESA JOYCE PHILLIPS 4:24‐bk‐00947‐SHG ALEJANDRO PINEDA 4:24‐bk‐00978‐BMW SALOMON J GRANILLO 2:24‐bk‐00984‐PS AUSTIN EDWIN WOODS 2:24‐bk‐00989‐BKM MARY ANGEL LEON 2:24‐bk‐01010‐EPB PATTSY LYNN BLACKMAN 2:24‐bk‐01024‐SHG ASHLEY NICOLE BERRIER 4:24‐bk‐01030‐SHG JOSE GENARO CAMARGO 4:24‐bk‐01047‐SHG IMELDA M. ULLOA 2:24‐bk‐01054‐DPC ROBIN L. RILEY 2:24‐bk‐01076‐EPB DONALD DEAN SEIDEL 2:24‐bk‐01079‐BKM VERONICA ROMERO 2:24‐bk‐01102‐BKM RICHARD FRED DIAZ and NANCY SUE DIAZ 2:24‐bk‐01129‐PS DANIEL JESUS MORALES 2:24‐bk‐01130‐PS TERRENCE L POTTS 2:24‐bk‐01132‐BKM DAVIDA LACHON SHAW 2:24‐bk‐01135‐BKM MARIA ALEJANDRA LISSY 2:24‐bk‐01137‐PS JUAN J MARTINEZ RODRIGUEZ 2:24‐bk‐01151‐MCW ROSEANN MARIE RAYNOR 4:24‐bk‐01155‐SHG PEGGY ANN MADRID 2:24‐bk‐01169‐PS SYREE SHANNETTE MCKELVEY 2:24‐bk‐01218‐BKM RICKY MAYA, SR. 2:24‐bk‐01283‐BKM MATTHEW BRIAN KRUMWIEDE 2:24‐bk‐01292‐EPB KEVIN R BAKER 4:24‐bk‐01309‐BMW JALEN TRAVON THOMPSON 2:24‐bk‐01316‐DPC MICHELLE M SWAIT 2:24‐bk‐01319‐EPB PEGGY MAE HAVENS 2:24‐bk‐01325‐PS ROBERT LEE WAGGONER 2:24‐bk‐01334‐EPB BRAD RANDALL NEAL 4:24‐bk‐01448‐SHG TEKOA MOANA BARAJAS 2:24‐bk‐01450‐EPB LAURIE ANN COOPER 2:24‐bk‐01469‐BKM STEPHANIE E WOLFE and KACHINA K WOLFE 2:24‐bk‐01504‐DPC JOSHUA SOTELO 2:24‐bk‐01507‐MCW AUSTIN PARKER FIGUEROA 2:24‐bk‐01515‐BKM AMBER LEIGH CRIST 4:24‐bk‐01517‐BMW JOSEPH N FELS 2:24‐bk‐01538‐PS RYAN MICHAEL JENKINS 4:24‐bk‐01658‐BMW ROBERT ANTHONY REILLY 2:24‐bk‐01689‐DPC CAMERON DICARLOS WHITE 2:24‐bk‐01754‐MCW GINA ROSE MARIE SHIRLEY 2:24‐bk‐01761‐BKM JB MARIO CHURCHWELL 2:24‐bk‐01764‐MCW JARED CHRISTOPHER BUHR and AMANDA RAYMEE BUHR 2:24‐bk‐01873‐PS RONALD MILTON JONES 2:24‐bk‐01876‐BKM ALANDRES EUGENE THOMPSON, JR. and TARA MICHELLE THOMPSON 2:24‐bk‐01880‐EPB KRISTEN KIM EHLERT 2:24‐bk‐01933‐PS ROBERT ANTHONY JOLICOEUR and TIFFANY ANN JOLICOEUR 2:24‐bk‐01959‐BKM VICTOR HUGO RUIZ and WENDY JUDITH RUIZ 2:24‐bk‐02028‐DPC ALEXYS TALAMANTES 2:24‐bk‐02034‐DPC TOVA HEGSTAD 3:24‐bk‐02042‐DPC DOUGLAS STEPHAN BYRON 4:24‐bk‐02046‐BMW MELANIE AMANN 2:24‐bk‐02093‐DPC MONTIQUE SHEVRAE COLLINS 2:24‐bk‐02135‐DPC TAMI LYNN PESHEK 2:24‐bk‐02138‐PS CARRIE LYNN COLE 2:24‐bk‐02175‐MCW DANIEL ARTURO MORALES and ESTHER GOMEZ MORALES 4:24‐bk‐02200‐SHG OK KYONG LACKEY 4:24‐bk‐02241‐BMW CHRISTINA J PICKEN 4:24‐bk‐02246‐BMW PATRICK ALLEN CARENDER 2:24‐bk‐02290‐EPB LAUREN ELIZABETH FINCHER 2:24‐bk‐02343‐PS MICHAEL D RICHARDSON 2:24‐bk‐02345‐PS EUNETTE ANNETTA ROBINSON 4:24‐bk‐02393‐BMW TONI LEE KLEINER and CHERYL ANN KLEINER 4:24‐bk‐02394‐BMW SHAUN MICHAEL THOMPSON and JESSICA KAYE THOMPSON 4:24‐bk‐02446‐BMW JAY K WRIGHT and VERONICA ARACELY DE LA ROSA 2:24‐bk‐02472‐EPB JOHN ADRIAN RANDEZ and NATALIE MICHELE RANDEZ 2:24‐bk‐02526‐DPC MARIA DE JESUS QUEZADA 2:24‐bk‐02572‐EPB BEVERLY ANN HAWLEY 2:24‐bk‐02588‐DPC TAMAR DIANA FOLSON 2:24‐bk‐02664‐BKM AMBER LYNN CANEZ 2:24‐bk‐02699‐BKM EDDRICK LEKEITH MORELAND and CARMEN NOHEMY MORELAND 4:24‐bk‐02784‐SHG VANESSA A VALDEZ 2:24‐bk‐02785‐DPC DEREK JOHN BOURASSA and DELILAH MARCELA BOURASSA 2:24‐bk‐02786‐PS ROBERTO EDWARDO SEDILLO 2:24‐bk‐02806‐EPB FERNANDO ANGEL DELGADO, II 2:24‐bk‐02831‐BKM KEITH BRIAN THEIREL 2:24‐bk‐02836‐PS CHARLES RAY WEBSTER 2:24‐bk‐02868‐PS ANGELIQUE RENE CUSKE 2:24‐bk‐02924‐DPC BRUCE ALLEN DAMRON 2:24‐bk‐03511‐EPB LEONARDO BANDA MEJIA