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IN RE TORRES

Bankruptcy Nos. 05-11409 (RDD), 04-13404(RDD). Adversary Nos. 06-01576 (RDD), 06-01917(RDD).

367 B.R. 478 (2007)

In re Yvette R. TORRES, Debtor. Yvette R. Torres, Plaintiff, v. Chase Bank USA, N.A., Defendant In re Ariadna Mateo, Debtor. Ariadna Mateo, Plaintiff v. Chase Bank USA, N.A. and PRA III, LLC.

United States Bankruptcy Court, S.D. New York.

May 3, 2007.

Attorney(s) appearing for the Case

FleischmanLaw, P.C., by Jay S. Fleischman, Esq., New York City, for plaintiffs, Yvette Torres and Ariadna Mateo.

Simmons, Jannace & Stagg, L.L.P., by Thomas E. Stagg, Esq., and Jacqueline M. Della Chiesa, Esq., Syosset, for defendant, Chase Bank USA, NA.

MEMORANDUM OF DECISION ON CHASE BANK USA, N.A.'S MOTION TO DISMISS AND FOR JUDGMENT ON THE PLEADINGS UNDER FED. R. BANKR. P. 7012

ROBERT D. DRAIN, Bankruptcy Judge.

Chase Bank USA, N.A. ("Chase") has moved in the Torres proceeding for judgment on the pleadings under Fed.R.Civ.P. 12(c) and in the Mateo proceeding to dismiss the complaint under Fed.R.Civ.P. 12(b)(6), each incorporated by Fed. Bankr.R. 7012.

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