247 F.3d 532 (3rd Cir. 2001) LEROY J. SMITH; GEORGETTE BECKON; MARCIA T. SMITH, INDIVIDUALLY; VALISE C. MATTHEWS, INDIVIDUALLY, ON BEHALF OF THEMSELVES AND ALL OTHERS SIMILARLY SITUATEDv.JOHN G. BERG; COLUMBIA NATIONAL INCORPORATED; FIRST TOWN MORTGAGE CORPORATION; COUNTRYWIDE CREDIT INDUSTRIES, INC., THROUGH ITS SUBSIDIARY, COUNTRYWIDE HOME LOANS, INC.; FIDELITY NATIONAL FINANCIAL, THROUGH ITS SUBSIDIARY, FIDELITY […]