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BANK OF AMERICA, N.A. v. CAULKETT

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             Nos. 13-1421, 14-163

                   IN THE
  Supreme Court of the Eniteb Otateo

            BANK OF AMERICA, N.A.,
                              Petitioner,
                     V.
             DAVID B. CAULKETT,
                            Respondent.
                    and
            BANK OF AMERICA, N.A.,
                              Petitioner,
                     V.
          EDELMIRO TOLEDO-CARDONA,
                            Respondent.

           On Writ of Certiorari to
      the United States Court of Appeals
           for the Eleventh Circuit

  BRIEF OF AMICI CURIAE THE NATIONAL
ASSOCIATION OF CONSUMER BANKRUPTCY
          ATTORNEYS AND AARP
    IN SUPPORT OF THE RESPONDENTS


TARA TWOMEY
NATIONAL CONSUMER BANK-
  RUPTCY RIGHTS CENTER
1501 The Alameda
San Jose, CA 95126
JEAN CONSTANTINE-DAVIS
AARP FOUNDATION
601 E. Street, N.W.
Washington, D.C. 20049
(202) 434-2060


DAVID R. KUNEY
  Counsel of Record
WHITEFORD, TAYLOR &
  PRESTON, LLP
1025 Connecticut Ave, N.W.
Washington, DC 20036
(202) 659-6800
dkuney@wtplaw.com


             Counsel for Amici Curiae
February 23, 2015
WILSON-EPES PRINTING Co., INC. - (202) 789-0096 - WASHINGTON, D. C. 20002

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