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IN RE KARELIN

BAP No. NC-89-1467 VMeJ, Bankruptcy No. 587-05576-JRG, Adv. No. 880040.

109 B.R. 943 (1990)

In re Jeanette KARELIN, a/k/a Jeanette Smith, Debtor. Jeanette KARELIN, a/k/a Jeanette Smith, Appellant, v. BANK OF AMERICA NATIONAL TRUST AND SAVINGS ASSOCIATION, Appellee.

United States Bankruptcy Appellate Panel of the Ninth Circuit.

Decided February 1, 1990.

Attorney(s) appearing for the Case

Nicolas De Lancie, Office of General Counsel, Bank of America, San Francisco, for appellee.

Thomas A. Casazza, Palo Alto, Cal., Keith A. Ducote, San Jose, Cal. for appellant.

Before VOLINN, MEYERS and JONES, Bankruptcy Judges.

VOLINN, Bankruptcy Judge:

OVERVIEW

The debtor and appellant, Ms. Karelin,1 obtained cash advances on her credit card accounts with the appellee Bank of America National Trust and Savings Association ("the Bank"). Ms. Karelin obtained the cash advances for the purpose of gambling in Nevada. Several months later Ms. Karelin filed a voluntary bankruptcy petition under Chapter 7, and the Bank filed an adversary proceeding seeking...

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