William C. and Elaine Gaskins - Page 28

                                                 - 28 -                                                    
            permission or knowledge. Mr. Quinn had been served with a                                      
            summons regarding the Credit Alliance action, but Mrs. Quinn did                               
            not learn about it until a month later.                                                        
                  Mrs. Quinn then hired an attorney to defend her in this                                  
            Credit Alliance matter and paid him a retainer of $5,000. Mrs.                                 
            Quinn was ultimately relieved of liability for the Credit                                      
            Alliance debt. Mrs. Quinn was so distressed by this incident                                   
            that she contemplated divorcing Mr. Quinn. She was afraid that                                 
            Credit Alliance would attempt to take her home and the assets                                  
            for which she and Mr. Quinn had worked hard and scrimped and                                   
            saved over a lifetime. She felt Mr. Quinn was destroying their                                 
            life together by not making her aware of what he had done and by                               
            jeopardizing their life savings. The Quinns did not get a                                      
            divorce, but instead they agreed to transfer their joint assets                                
            to Mrs. Quinn or to Mrs. Quinn jointly with one or the other of                                
            their two daughters. Since that time the Quinns' relationship                                  
            has been strained. At the trial, Mrs. Quinn was still visibly                                  
            upset by this episode in their lives.                                                          
                  Thus, in December of 1982, the Quinns transferred title to                               
            three undeveloped Schuylkill County lots to Mrs. Quinn's name                                  
            alone. The Quinns also transferred title to their house into the                               
            names of Mrs. Quinn and Patricia. Joint bank accounts were                                     
            closed or title transferred; none of these accounts contained                                  
            any unusually large amounts or any deposits from unknown                                       
            sources. At the time of these various transfers, Mrs. Quinn was                                




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