BAUER, Chief Judge.
In this appeal, Ronald Roete claims that the district court improperly reversed his award from the bankruptcy court. We disagree. The district court correctly applied the settled law of this circuit, and, therefore, we affirm its judgment.
I.
On July 7, Roete delivered a personal check, # 2051, drawn in the amount of $700, to his neighbors, Charles and Carol Smith. Roete had become indebted to the Smiths for several vacuum cleaners...
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