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IN RE EDWARDS

Bankruptcy No. 91-31389-BKC-RAM, Adv. Nos. 91-0815-BKC-RAM-A to 91-0817-BKC-RAM-A.

135 B.R. 693 (1991)

In re Karen Olson EDWARDS, Debtor. CITIBANK, N.A., Plaintiff, v. Karen Olson EDWARDS, Defendant. FIRST BANKCARD CENTER, Plaintiff, v. Karen Olson EDWARDS, Defendant. NORWEST CARD SERVICES, INC., Plaintiff, v. Karen Olson EDWARDS, Defendant.

United States Bankruptcy Court, S.D. Florida.

December 4, 1991.

Attorney(s) appearing for the Case

Richard Freeman, Ft. Lauderdale, Fla., for debtor.

Darrell Payne, Miami, Fla., for plaintiffs.

MEMORANDUM OPINION

MARY D. SCOTT, Visiting Judge.

The cause before the Court includes three adversary proceedings consolidated for trial in which Plaintiffs, Citibank, N.A. ("Citibank"), First Bankcard Center ("FBC"), and Norwest Card Services, Inc. ("Norwest"), seek, pursuant to 11 U.S.C. § 523(a)(2)(A) and (C), to determine the dischargeability of credit card debt. Trial was held November 20, 1991. The debtor appeared personally and by counsel, Richard...

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