(1)(a) An irrevocable assignment and schedules shall be made in writing, containing the name and address of the assignor and assignee and providing for an equal distribution of the estate according to the priorities set forth in s. 727.114.
(b) The assignment shall be in substantially the following form:
ASSIGNMENT
ASSIGNMENT, made this day of , (year) , between , with a principal place of business at , hereinafter “assignor,” and , whose address is , hereinafter “assignee.”
WHEREAS, the assignor has been engaged in the business of ;
WHEREAS, the assignor is indebted to creditors, as set forth in Schedule A annexed hereto, is unable to pay its debts as they become due, and is desirous of providing for the payment of its debts, so far as it is possible by an assignment of all of its assets for that purpose.
NOW, THEREFORE, the assignor, in consideration of the assignee’s acceptance of this assignment, and for other good and valuable consideration, hereby grants, assigns, conveys, transfers, and sets over, unto the assignee, her or his successors and assigns, all of its assets, except such assets as are exempt by law from levy and sale under an execution, including, but not limited to, all real property, fixtures, goods, stock, inventory, equipment, furniture, furnishings, accounts receivable, bank deposits, cash, promissory notes, cash value and proceeds of insurance policies, claims and demands belonging to the assignor, and all books, records, and electronic data pertaining to all such assets, wherever such assets may be located, hereinafter the “estate,” as which assets are, to the best knowledge and belief of the assignor, set forth on Schedule B annexed hereto.
The assignee shall take possession of, and protect and preserve, all such assets and administer the estate in accordance with the provisions of chapter 727, Florida Statutes, and shall liquidate the assets of the estate with reasonable dispatch and convert the estate into money, collect all claims and demands hereby assigned as may be collectible, and pay and discharge all reasonable expenses, costs, and disbursements in connection with the execution and administration of this assignment from the proceeds of such liquidations and collections.
The assignee shall then pay and discharge in full, to the extent that funds are available in the estate after payment of administrative expenses, costs, and disbursements, all of the debts and liabilities now due from the assignor, including interest on such debts and liabilities. If funds of the estate shall not be sufficient to pay such debts and liabilities in full, then the assignee shall pay from funds of the estate such debts and liabilities, on a pro rata basis and in proportion to their priority as set forth in s. 727.114, Florida Statutes.
If all debts and liabilities are paid in full, any funds of the estate remaining shall be returned to the assignor.
To accomplish the purposes of this assignment, the assignor hereby appoints the assignee its true and lawful attorney, irrevocable, with full power and authority to do all acts and things which may be necessary to execute the assignment hereby created; to demand and recover from all persons all assets of the estate; to sue for the recovery of such assets; to execute, acknowledge, and deliver all necessary deeds, instruments, and conveyances; and to appoint one or more attorneys under her or him to assist the assignee in carrying out her or his duties hereunder.
The assignor hereby authorizes the assignee to sign the name of the assignor to any check, draft, promissory note, or other instrument in writing which is payable to the order of the assignor, or to sign the name of the assignor to any instrument in writing, whenever it shall be necessary to do so, to carry out the purpose of this assignment.
The assignee hereby accepts the trust created by the assignment, and agrees with the assignor that the assignee will faithfully and without delay carry out her or his duties under the assignment.
Assignor
Assignee
STATE OF FLORIDA
COUNTY OF
The foregoing assignment was acknowledged before me this day of , (year) , by , as assignor, and by , as assignee, for the purposes therein expressed.
(Signature of Notary Public - State of Florida)
(Print, Type, or Stamp Commissioned Name of Notary Public)
Personally Known OR Produced Identification
Type of Identification Produced
(c) The assignment shall have annexed thereto as Schedule A a true list of all of the assignor’s known creditors, their mailing addresses, the amount and nature of their claims, and whether their claims are disputed; and as Schedule B a true list of all assets of the estate, including the estimated liquidation value of the assets, their location, and, if real property, a legal description thereof, as of the date of the assignment.
(d) The schedules shall be in substantially the following forms:
SCHEDULE A—CREDITOR LIST
1. List all secured creditors showing:
Name
Address
Amount
Collateral
Whether or not disputed
2. List all wages owed showing:
Name
Address
Amount
Whether or not disputed
3. Consumer deposits:
Name
Address
Amount
Whether or not disputed
4. List all taxes owed showing:
Name
Address
Amount
Whether or not disputed
5. List all unsecured claims showing:
Name
Address
Amount
Whether or not disputed
6. List all owners or shareholders showing:
Name
Address
Percent of Ownership
7. List all pending litigation and opposing counsel of record:
Style
Parties
Opposing Counsel of Record
SCHEDULE B—LIST OF ASSETS
List each category of assets and for each give approximate value obtainable for the asset on the date of assignment, and address where asset is located.
I. Nonexempt Property
Description and Location
Liquidation Value at Date of Assignment
1. Legal description and street address of real estate, including leasehold interests:
2. Fixtures:
3. Cash and bank accounts:
4. Inventory:
5. Accounts receivable:
6. Equipment:
7. Prepaid expenses, including deposits, insurance, rents, and utilities:
8. Other, including loans to third parties, claims, and choses in action:
II. Exempt Property
Description and Location
Liquidation Value at Date of Assignment
(e) The assignment and schedules shall be duly verified upon oath by the assignor, and accepted by the assignee under oath in substantially the following form:
VERIFICATION OF ASSIGNMENT AND SCHEDULES BY ASSIGNOR
The undersigned, (name) , (position with assignor) of (assignor) , hereby verifies the Assignment of all of its rights, title, and interest in and to all of its assets, as indicated on the attached Schedules to that Assignment as filed with this Court on (date) , and further verifies each of the facts set forth in the Schedules annexed to the Assignment to the best of my knowledge and belief.
Name, Position with Assignor
STATE OF FLORIDA
COUNTY OF
Sworn to and subscribed before me this day of , (year) .
(Signature of Notary Public - State of Florida)
(Print, Type, or Stamp Commissioned Name of Notary Public)
Personally Known OR Produced Identification
Type of Identification Produced
ACCEPTANCE BY ASSIGNEE
The undersigned, (assignee) , the Assignee herein, duly acknowledges that the Assignee accepts delivery of the assignment and that he or she will duly perform the duties imposed upon the Assignee pursuant to chapter 727, Florida Statutes.
Assignee
STATE OF FLORIDA
COUNTY OF
Sworn to and subscribed before me this day of , (year) .
(Signature of Notary Public - State of Florida)
(Print, Type, or Stamp Commissioned Name of Notary Public)
Personally Known OR Produced Identification
Type of Identification Produced
(2) Within 10 days after delivery of the assignment to the assignee, the assignee shall:
(a) Record the original assignment, with or without the schedules, in the official records of the county in which the assignor had its principal place of business and shall thereafter promptly record a certified copy of the assignment, with or without the schedules, in each county in this state in which real property assets of the estate are located. The assignee shall promptly record a certified copy of the assignment, without schedules, in the land records of each recording jurisdiction outside of this state in which real property assets of the estate are located. If a certified copy of the assignment is not acceptable for recording in a particular jurisdiction, the assignee shall record a lis pendens or similar notice of action permitted in that jurisdiction referencing the pendency of the proceedings under this chapter. In either instance, the recorded original assignment, certified copy of the assignment, or lis pendens or similar notice of action shall include the legal description of any real property located in the recording jurisdiction.
(b) File, in the office of the clerk of the court in the county of the assignor’s place of business if it has one, in the county of its chief executive office if it has more than one place of business, or in the county of the assignor’s residence if the assignor is an individual not engaged in business, in accordance with the procedures for filing a complaint as set forth in the Florida Rules of Civil Procedure, a petition setting forth the name and address of the assignor and the name and address of the assignee; a copy of the assignment, together with Schedules A and B; and a request that the court fix the amount of the assignee’s bond to be filed with the clerk of the court. This bond is subject to reconsideration upon the motion of any party in interest after notice and hearing. The bond is payable to the clerk of the court, in an amount not less than $25,000 or double the liquidation value of the unencumbered and liquid assets of the estate as set forth in Schedule B, whichever is higher, conditioned upon the assignee’s faithful discharge of her or his duties. Within 30 days after the court enters an order setting the amount of such bond, the assignee shall file the bond with the clerk of the court, who shall approve the bond.
(3) The court may determine proper compliance with Rule 1.200, Florida Rules of Civil Procedure, in an action filed under this chapter, including, but not limited to, scheduling a case management conference and requiring a periodic status report as warranted by the circumstances of the case.
Cited 24 times | Published | Court of Appeals for the Eleventh Circuit | 2015 WL 9241140
...“specific,” “special” authorization to do so.
Mr. Welt drew his powers as ABC assignee from the ABC agreement
executed on July 12, 2007. This agreement tracks almost exactly the language of
Florida’s ABC statute.13 Compare Doc. 20-2, with Fla. Stat. § 727.104(b)....
...In the fifth paragraph, the ABC agreement
omits “and protect and preserve” from the sentence beginning: “The assignee shall take
possession of, and protect and preserve, all such assets and administer the estate in accordance
with the provisions of chapter 727 . . .” Fla. Stat. § 727.104(b)....
...However, this argument overlooks the full import of those clauses, which all
come back to giving only the authority “necessary to execute the assignment
hereby created” and “necessary . . . to carry out the purpose of this assignment.”
Fla. Stat. § 727.104(b) (emphasis added); Doc....
...purpose.” Just the opposite—it terminated the assignment. We cannot say that
Florida’s ABC statute carries within it the seeds of its own destruction. Its form
language, which “shall be” adopted “in substantially the [listed] form” in all ABCs,
Fla. Stat. 727.104(b), does not grant an assignee the authority to unilaterally
override the assignor’s original choice of a legal regime....
...Nica deliberately selected an ABC as its preferred mode of liquidation and
executed an agreement manifesting that intent, consistent with Florida law. It
trusted Mr. Welt to “faithfully and without delay carry out her or his duties under
the assignment.” Fla. Stat. § 727.104(b); Doc....
...ies of the assignees. Moreover, the statute clearly contemplates that a debtor's estate should include legal claims. According to the statute, the assets of the assignor include "claims and demands belonging to the assignor" without *763 limitation. § 727.104(1)(b), Fla. Stat. (2000). In commencing a proceeding under the statute, the debtor must list items enumerated in the statute, including "claims, and choses in action." § 727.104(1)(d), Fla....
...Weiser, Stapler & Spivak, 517 Pa. 522, 539 A.2d 357 (Pa.1988); and Rhode Island, see Cerberus Partners, L.P. v. Gadsby & Hannah, 728 A.2d 1057 (R.I.1999). [4] We also approve the district court's holding that the claim in this case is not exempt from forced sale under section 727.104, Florida Statutes (2000), because, as discussed above, the claims in this case do not involve personal services or implicate the confidentiality concerns normally associated with the assignment of legal malpractice claims.
Cited 9 times | Published | United States Bankruptcy Court, M.D. Florida | 9 Fla. L. Weekly Fed. B 56, 1995 Bankr. LEXIS 921, 1995 WL 407816
...Even a cursory reading of this statute reveals that the relief set forth in § 303(i) is available only to the debtor. However, in a situation such as the one presently before the Court, there must be available some remedy for the improper filing of an involuntary petition. The Florida Statutes define "estate" in § 727.104(1)(b) for the purpose of assignment of benefit of creditors as all nonexempt assets of the debtor....
...Delancy; Kula &
Associates and Elliot B. Kula and W. Aaron Daniel, for appellee.
Before SUAREZ, C.J., and SHEPHERD and LOGUE, JJ.
SHEPHERD, J.
The issue in this non-final appeal is whether an assignee for the benefit of
creditors, appointed pursuant to section 727.104 of the Florida Statutes (2012), is
bound by a mediation and arbitration clause in an assignor’s agreement with a
third-party.1 We answer the question in the affirmative and reverse the contrary
ruling of the trial court....
...Group International Corp., JTN Holdings, Inc., Eurogroup Canada, Inc., Design
District Holdings of Miami, LLC, and EK Holdings LLC (collectively “Assignors”
or “Italkitchen”) executed assignments for the benefit of creditors pursuant to
Chapter 727.104 in favor of Philip J. Von Kahle as assignee. Pursuant to the
assignment, Von Kahle took possession of all the assets of the assignors, including
all claims and demands which may exist against third parties. See §§ 727.104,
727.108, Fla....
...3
private sale, including but not limited to, prosecuting any tort claims or causes of
action which were previously held by the assignor.” § 727.108(1).2
The assignee stands in the shoes of the assignor for this purpose. See
§727.104; Naples Awning & Glass, Inc....
Cited 7 times | Published | Florida 2nd District Court of Appeal | 2005 WL 544208
...In January 2001, while the criminal action was pending, A & E assigned its assets to Lanier pursuant to chapter 727, Florida Statutes (2000), which provides for the administration of insolvent estates. [2] Lanier then filed a petition in the circuit court as required by section 727.104(2)(b)....
...An assignment for the benefit of creditors is an alternative to bankruptcy and allows a debtor to voluntarily assign its assets to a third party in order to liquidate the assets to fully or partially satisfy creditors' claims against the debtor. Moecker v. Antoine, 845 So.2d 904, 910 (Fla. 1st DCA 2003). Section 727.104 describes the required contents of an assignment for the benefit of creditors, including a description of the efforts to be undertaken by the assignee to administer the insolvent estate....
...To the extent that funds are available in the estate after payment of administrative expenses, costs, and disbursements, Lanier is required to pay and discharge the debts and liabilities due from A & E. If all of A & E's debts and liabilities are paid in full, Lanier must return to A & E any remaining estate funds. § 727.104(1)(b). Once an assignment is made under section 727.104, all creditors except for lien holders are required to file proofs of claim pursuant to section 727.112....
...A & E's legal and equitable interests in its nonexempt assets, which constituted the estate. Lanier's duties included taking possession of and administering the estate, and liquidating the assets and converting the estate into money. Consistent with section 727.104(1)(b), the assignment provided that to the extent funds are available after payment of administrative expenses, costs, and appropriate disbursements, Lanier was required to pay and discharge "all of the debts and liabilities now due f...
Cited 7 times | Published | Florida 1st District Court of Appeal | 2003 WL 1086514
...of chapter 727 in 1987. See Ch. 87-174, Laws of Florida. Chapter 727 is intended "to provide a uniform procedure for the administration of insolvent estates," section 727.101, Florida Statutes (1997), subject to the supervision of the circuit court. Section 727.104 provides a form of assignment, and requires the assignee to record the assignment in the public records as well as to file *911 a petition and bond in the circuit court....
...Section 727.114 sets the priority for the claims against the insolvent estate. In the event there are insufficient assets to satisfy all proper claims made against the estate, claims are to be paid on a pro rata basis and in proportion to the scheme of priority provided in section 727.114. See § 727.104(1)(b)....
...tors. See § 727.101, Fla. Stat. (2008). Two days later, Michael Phelan timely filed a separate Petition Commencing Assignment for The Benefit of Creditors in the circuit court to facilitate the performance of his duties ("the Assignment Case"). See § 727.104, Fla....
...sing by contract or in tort, wherever located, and by whomever held at the date of the assignment, except property exempt by law from forced sale. § 727.103(1), Fla. Stat. (2008) (emphasis added). In addition, the standard assignment form, found in section 727.104(b), corresponds to the statute by specifically including "claims and choses in action." See § 727.104(b), Fla....
...on. Collectively, these assets create an "estate." See § 727.103(9), Fla. Stat. (2008). The assignee, in turn, is required to take possession of, protect and preserve, and liquidate the assets of the estate and to convert the estate to money. See §§ 727.104(1)(b), .108, Fla....
...s not automatically stay the enforcement by a consensual lienholder of its legal rights in the security. See § 727.105, Fla. Stat. However, Moffatt is not a consensual lienholder within this section. [4] This language also appears in the version of section 727.104(b) prior to the 2007 revisions. See § 727.104(b), Fla....
Cited 3 times | Published | United States Bankruptcy Court, S.D. Florida. | 1989 Bankr. LEXIS 917
...[6] The Receiver did not contend that it was a custodian under 11 U.S.C. § 101(10)(B), presumably because the Receiver was not an "assignee under a general assignment for the benefit of the [D]ebtor's creditors," since there was no such action commenced by or against the Debtor at any time pursuant to section 727.104 of the Florida Statutes....
Cited 2 times | Published | Florida 3rd District Court of Appeal | 2002 WL 31398779
...Kaplan has standing to bring the claims for malpractice against the Attorneys. For the same reasons as set forth above, we further hold that the trial court incorrectly determined that such claims are exempt by law from levy and sale under an execution of assignment, pursuant to section 727.104, Florida Statutes (2000), the Assignment for Benefit of Creditors statute....
...btor to voluntarily assign its assets to a third party [assignee] in order to liquidate the assets to fully or partially satisfy creditors’ claims against the debtor.” Hillsborough Cnty. v. Lanier, 898 So.2d 141, 143 (Fla. 2d DCA 2005); see also § 727.104(l)(b), Fla....
...(2010). The mechanics of Chapter 727 are that the assignor assigns to the assignee “all of its assets, except such assets as are exempt by law from levy and sale under an execution”; the assets so assigned become the “estate” of the assignor. § 727.104(b), *1051 Fla....
...wherever located, and by whomever held at the date of the assignment.” Because the impleader complaint alleged a fraudulent transfer of assets, Effective retained equitable ownership of the property transferred to Etech Texas, so that the equitable interest was an asset of the estate under sections 727.104(l)(b), 727.103(9), and 727.103(1)....
...from bona fide dealers in precious metals. The companies were vehicles for a fraudulent scheme, and they failed. The companies designated Mr. Stermer, a specialist in liquidating failed companies, as “assignee for the benefit of creditors” under section 727.104, Florida Statutes (2010) to marshal and sell the companies’ assets so that the net proceeds could be paid to creditors....
...Raltron Electronics Corporation (“Ral-tron”) executed a statutory general assignment for the benefit of creditors, assigning all of its assets, except those “exempt by law from levy and sale under an execution,” to Michael Phelan (“the Assignee”). See § 727.104, Fla....
...es the actual amount claimed, such as the accounts application or contract or most recent statement provided to Debtor prior to the filing date. The document does not attach any documents and/or evidence of lawful assignment of note as provided on F.S. 727.104. The assignment of the negotiable instrument and/or note does not substantially confirm and/or comply with the strict language of 727.104....
...es the actual amount claimed, such as the accounts application or contract or most recent statement provided to Debtor prior to the filing date. The document does not attach any documents and/or evidence of lawful assignment of note as provided on F.S. 727.104. The assignment of the negotiable instrument and/or note does not substantially confirm and/or comply with the strict language of 727.104....
...es the actual amount claimed, such as the accounts application or contract or most recent statement provided to Debtor prior to the filing date. The document does not attach any documents and/or evidence of lawful assignment of note as provided on F.S. 727.104. The assignment of the negotiable instrument and/or note does not substantially confirm and/or comply with the strict language of 727.104....
...e actual amount claimed, such as the accounts application or contract or most recent statement provided to Debtor prior to the filing date. The document does not attach any documents and/or evidence of lawful assignment of note as provided on *916 F.S. 727.104. The assignment of the negotiable instrument and/or note does not substantially confirm and/or comply with the strict language of 727.104....
...es the actual amount claimed, such as the accounts application or contract or most recent statement provided to Debtor prior to the filing date. The document does not attach any documents and/or evidence of lawful assignment of note as provided on F.S. 727.104. The assignment of the negotiable instrument and/or note does not substantially confirm and/or comply with the strict language of 727.104....
...es the actual amount claimed, such as the accounts application or contract or most recent statement provided to Debtor prior to the filing date. The document does not attach any documents and/or evidence of lavTul assignment of note as provided on F.S. 727.104. The assignment of the negotiable instrument and/or note does not substantially confirm and/or comply with the strict language of 727.104....
...es the actual amount claimed, such as the accounts application or contract or most recent statement provided to Debtor prior to the filing date. The document does not attach any documents and/or evidence of lawful assignment of note as provided on F.S. 727.104. The assignment of the negotiable instrument and/or note does not substantially confirm and/or comply with the strict language of 727.104....
...es the actual amount claimed, such as the accounts application or contract or most recent statement provided to Debtor prior to the filing date. The document does not attach any documents and/or evidence of lawful assignment of note as provided on F.S. 727.104. The assignment of the negotiable instrument and/or note does not substantially confirm and/or comply with the strict language of 727.104....
...Hernandez submits proposed eOrder #275958 after hearing striking & disallowing the claim ... court modifies and enters proposed order sustaining objection to Claim # 12 on 11/04/2011 There is no such thing as “Local Rule 3000-l(A)(3),” and § 727.104 of the Florida Statutes has nothing to do with the validity of assignments for any of these claims....
...There is nothing in the record to indicate that a state court ABC was commenced before this voluntary bankruptcy filing. Accordingly, there was no requirement of a written “irrevocable assignment and schedules” conforming to the form contained within § 727.104 and “providing for an equal distribution of the estate according to the priorities set forth in s. 727.114” Fla. Stat. § 727.104 (l)(a)....
...perjury in their schedules to owing. 1 A common law assignment or delegation of a contractual right or obligation which does not relate to a Florida state court “ABC” (“assignment for the benefit of creditors”) proceeding is not governed by § 727.104....
...Petitioners additionally and expressly assigned to Assignee “all
books, records, and electronic data pertaining to all such assets,” and irrevocably
appointed Assignee their true and lawful attorney with “full power and authority to
do all acts and things which may be necessary to execute the assignment.” §
727.104(b), Fla....
...action that were previously held by the assignor, regardless of any
generally applicable law concerning the nonassignability of tort claims
or causes of action..”
§ 727.108(1), Fla. Stat. (2020).
In furtherance of these duties, section 727.104(b) requires that the assignment
be in substantially the form as set forth in that subsection, and requires not merely
3
the assignment of all assets (including causes of action) of the ins...
...Petitioners additionally and expressly assigned to Assignee “all
books, records, and electronic data pertaining to all such assets,” and irrevocably
appointed Assignee their true and lawful attorney with “full power and authority to
do all acts and things which may be necessary to execute the assignment.” §
727.104(b), Fla....
...action that were previously held by the assignor, regardless of any
generally applicable law concerning the nonassignability of tort claims
or causes of action..”
§ 727.108(1), Fla. Stat. (2020).
In furtherance of these duties, section 727.104(b) requires that the assignment
be in substantially the form as set forth in that subsection, and requires not merely
3
the assignment of all assets (including causes of action) of the ins...
Published | Court of Appeals for the Eleventh Circuit
...with the month of onset of total disability due to pneumoconiosis or January 1, 1974, whichever is later. Where the evidence does not establish the month of onset, benefits shall be payable from the month during which the miner elected review under § 727.104....
...on November 26, 2013, the creditor filed a judgment lien certificate with the Florida Secretary of State, Division of Corporations (“November 26, 2013 Lien”), on the debtor’s assets. At 5:36 p.m. on November 26, 2013, the debtor’s assignee petitioned the trial court for assignment for the benefit of creditors under section 727.104, Florida Statutes (“ABC Proceeding”)....
...Chapter 727 “provide[s] a uniform procedure for the administration of insolvent estates, and ... ensure[s] full reporting to creditors and equal distribution of assets according to priorities as established under [chapter 727].” § 727.101, Fla. Stat. (2013). Section 727.104(1), Florida Statutes, pro *507 vides the form of the assignment and requires compliance with it. § 727.104(1), Fla. Stat. (2013); see Smith v. Effective Teleservices, Inc., 133 So.3d 1048, 1050-51 (Fla. 4th DCA 2014). The June 11, 2013 Assignment did substantially follow the required form. “Section 727.104 ......
...[also] requires the assignee to record the assignment in the public records as well as to file a, petition and bond in the circuit court.” Moecker v. Antoine, 845 So.2d 904, 910-11 (Fla. 1st DCA 2003). Subsection (2) requires that this be done within ten days after delivery of the assignment to the assignee. § 727.104(2), Fla....
...The only record evidence of the June 11, 2013 Assignment' is a copy attached to the ABC Proceeding petition. It does not indicate whether or when it was recorded. But, the creditor also argues the assignee failed to file the ABC Proceeding petition within the section 727.104(2) time limits....
...Here, the assignee failed to file the petition in the circuit court within ten days of delivery of the assignment. The assignee petitioned for the ABC Proceeding on November 26, 2013, and signed the acceptance of the June 11, 2013 Assignment on July 15, 2013. Although the June 11, 2013 Assignment met the section 727.104(1) form requirements, the untimely filing invalidated the ABC Proceeding under section 727.104(2)....
...the assignment invalid and void. The trial court erred in overruling the creditor’s objections, approving the-sale, and in its final order approving the distribution of assets. We reverse based' upon the debtor’s failure to comply with sections 727.104 and 727.111, Florida Statutes....
This Florida statute resource is curated by Graham W. Syfert, Esq., a Jacksonville, Florida personal injury and workers' compensation attorney. For legal consultation, call 904-383-7448.
