Phyllis Faircloth, Administratix of the Estate of Jiles T. Lynch v. Herman Finesod, and Jackie Fine Arts, Inc. F. Peter Rose L.A. Walker C.S. Pulkinen National Settlement Associates of South Carolina, Inc. Marilyn Goldberg Marigold Enterprises, Ltd. Sigmund Rothschild, 938 F.2d 513, 4th Cir. (1991)