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IN RE GOLDSTEIN

Bankruptcy No. 90-11473S, Adv. Nos. 90-0676S, 90-0696S.

123 B.R. 514 (1991)

In re Estelle GOLDSTEIN, Debtor. James and Barbara MALLOY, Robert and Carole Johnson, Peter and Gina Cammerota, Harry and Helen Murray, Kyran and Margaret Gilbert and Barbara Uhl, Plaintiffs, v. Estelle GOLDSTEIN, Defendant. Thomas & Florence DRUDING, h/w, John & Annelva Mooney, h/w, John & Frances Schwartz, h/w, Francis & Paul Kircher, Jr., h/w, Annemarie Mooney Greene, Plaintiffs, v. Estelle GOLDSTEIN, Defendant.

United States Bankruptcy Court, E.D. Pennsylvania.

February 1, 1991.

Attorney(s) appearing for the Case

Diane S. Tosta, Norristown, Pa., for debtor.

Marc Vogin, Philadelphia, Pa., for plaintiffs in Adv. No. 90-0696S.

Stephen Raslavich, Philadelphia, Pa., Trustee.

George J. Badey, III, Philadelphia, Pa., for plaintiffs in Adv. No. 90-0676S.

Michael P. Morley, Philadelphia, Pa., for plaintiffs in Adv. No. 90-0733S.

James J. O'Connell, Asst. U.S. Trustee, Philadelphia, Pa., U.S. Trustee.

OPINION

DAVID A. SCHOLL, Bankruptcy Judge.

A. INTRODUCTION

In their present, final state, the two instant almost identical proceedings present one issue for disposition: whether, pursuant to 11 U.S.C. § 727(a)(3), the Defendant/Debtor, ESTELLE GOLDSTEIN ("the Debtor"), should be denied a discharge of all of her debts. In deciding this issue, we consider whether the Debtor has failed to keep, and/or has justified her failure to keep, records...

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