Roxanne M. Toppi - Page 2

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                                     Background                                       
               Some of the facts and certain exhibits have been stipulated.           
          The parties’ stipulations of fact are incorporated in this                  
          Opinion by reference.  At the time of filing the petition,                  
          petitioner resided in Franklinville, New Jersey.                            
               Petitioner and David J. Toppi (Mr. Toppi) were married on              
          May 24, 1986, and divorced on June 11, 2002.  Except for 5 years            
          following the birth of their son, petitioner worked as a                    
          receptionist for several different employers while Mr. Toppi                
          tried to establish a practice as a chiropractor.  Petitioner was            
          not involved with Mr. Toppi’s chiropractic practice.  During 1994           
          or 1995, when petitioner’s son was 5 years old, Mr. Toppi                   
          approached petitioner and asked her to return to work because his           
          “business was in trouble.”                                                  
               Petitioner and Mr. Toppi’s mail was sent to their home                 
          address in Franklinville, N.J.  Petitioner regularly, but not               
          always, opened and read the mail.  At approximately the same time           
          that Mr. Toppi asked petitioner to return to work, petitioner               
          discovered that Mr. Toppi had failed to pay numerous household              
          bills.  Petitioner and Mr. Toppi opened a joint checking account            
          from which petitioner began to pay household bills.  Petitioner             
          continued to pay household bills from the joint checking account            
          until she and Mr. Toppi divorced.                                           







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