Deutsche Financial Services Corp. v. Marta Group, Inc., Patane Group, Inc. T/a Applianceland,d/b/a Appliance Land Etc., Cb Joe Tv & Appliance Co., Frankdefrank D/b/a Defrank's Appliances, Delaware Valleyappliances Incorporated, Donat, Inc. T/a Donatucci Kitchens& Appliances, Leslie S. Geissel D/b/a Jenkintown Electricco., Lakes Appliance & Tv, Inc., Rob Stevens, Inc. F/k/arobert Steven, Inc., Edward P. Petrillo D/b/a Petrillo'sappliances, Steve & Art, 107 F.3d 6 (3d Cir. 1997)