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IN RE OWEN

Bankruptcy No. 98-21676, Adversary No. 98-2108.

234 B.R. 857 (1999)

In re Michael OWEN, Kimberly Owen, Debtors. Universal Bank, N.A., Plaintiff, v. Michael Owen, Defendant.

United States Bankruptcy Court, D. Connecticut.

February 17, 1999.

Attorney(s) appearing for the Case

Andrew K. Brotmann, Brotmann & Freedman, Stamford, CT, for plaintiff.

Michael Owen, New Milford, CT, defendant pro se.

RULING DENYING PLAINTIFF'S MOTION FOR DEFAULT JUDGMENT

ROBERT L. KRECHEVSKY, Bankruptcy Judge.

I.

The matter before the court is a plaintiff's entitlement to a default judgment where the defendant does not appear. Universal Bank, N.A. ("UBNA"), formerly known as AT & T Universal Card Services Corp., on July 23, 1998, filed a complaint against Michael Owen, a Chapter 7 debtor ("the debtor"), contending a credit card

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