ms, Jr.; Grant ; Tom Moore; Anna Nunnery; Charles Shope; Penelope Shope; Kathy An- nette Wood; Sam Jones Wood; Ruth Ann M, Plaintiffs-Appellees, FINOVA CAPITAL CORPORATION, Defendant-Appellant. No. 05-2118. United States Court of Appeals, Fourth Circuit. Argued Feb. 2, 2006. Decided March 14, 2006. Background: No