IN RE BONNIFIELD

Bankruptcy No. 92-11759, Adv. No. 92-1327.

154 B.R. 743 (1993)

In re Robert and Susana BONNIFIELD, Debtors. AT & T UNIVERSAL CARD SERVICES CORP., Plaintiff, v. Robert and Susana BONNIFIELD, Defendants.

United States Bankruptcy Court, N.D. California.

May 6, 1993.


Attorney(s) appearing for the Case

Lysbeth Goodman, Santa Rosa, CA, for plaintiff AT & T.


Amended Memorandum of Decision

ALAN JAROSLOVSKY, Bankruptcy Judge.

In late 1991 and early 1992, plaintiff AT & T Universal Card Services issued three different credit cards to debtors Robert and Susana Bonnifield. Two of the three cards were pre-approved, with application made by telephone. The third required a brief written application in which the debtors had to state their annual income. The debtors, who were heavily in debt at the time, quickly used...

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