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IN RE VILLEGAS

BAP No. EC 90-1802 RPAs, Bankruptcy No. 189-05486-A-7, Adv. No. 190-0038.

132 B.R. 742 (1991)

In re Gilbert VILLEGAS and Lisa Villegas, Debtors. VALLEY OAK CREDIT UNION, Appellants, v. Gilbert VILLEGAS and Lisa Villegas, Appellees.

United States Bankruptcy Appellate Panel of the Ninth Circuit.

Decided October 25, 1991.

OPINION

RUSSELL, Bankruptcy Judge:

I. FACTS

Counsel for the appellant, Valley Oak Credit Union ("Valley"), filed a complaint objecting to discharge of the debtors, Gilbert and Lisa Villegas ("the Villegases"), on February 26, 1990. The pro se debtors did not file an answer. On April 30, 1990, the first hearing on the complaint, the court entered a default against the debtors. Mrs. Villegas was present.1 The hearing...

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