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IN RE DOUGHERTY

BAP No. EC 87-1087 JMeAs, Bankruptcy No. 985-02344, Adv. No. 986-0057.

84 B.R. 653 (1988)

In re T. Kevin DOUGHERTY, Debtor. CITIBANK SOUTH DAKOTA, N.A., Plaintiff, v. T. Kevin DOUGHERTY, Defendant.

United States Bankruptcy Appellate Panel, of the Ninth Circuit.

Decided February 5, 1988.

Attorney(s) appearing for the Case

T. Kevin Dougherty, Stockton, Cal., pro se.

Gary Solmonson, San Jose, Cal., for Citibank.

Before JONES, MEYERS and ASHLAND, Bankruptcy Judges.

OPINION

JONES, Bankruptcy Judge:

The debtor, T. Kevin Dougherty ("Dougherty"), appeals an order denying him a discharge for amounts owed to a credit card issuer. For the reasons set forth below, we VACATE and REMAND.

FACTS

In March 1985, Citibank, N.A. ("Citibank"), sent material to Dougherty inviting him to apply for a Citibank Visa card. Dougherty completed the "Pre-Approved Acceptance Certificate" and signed and dated it on March 26...

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