OPINION
ROBERT D. MARTIN, Bankruptcy Judge.
The debtor, Leo Francis Schnore (hereinafter Schnore), is a 53 year old professor of sociology at the University of Wisconsin — Madison. He earned $32,447.67 in 1979 and currently earns approximately $37,000 per year. From mid-1979 to January, 1980, he had maintained a balance of approximately $8,000 in a savings account. In the summer of 1979, he defaulted on a number of his credit card obligations by not...
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