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IN RE BERNARD

No. 93-55255.

40 F.3d 1028 (1994)

In re Alan BERNARD; Linda Bernard, Debtors. Alan BERNARD; Linda Bernard, Plaintiffs-Appellants, v. Jeffrey C. COYNE, Chapter 7 Trustee; Clement Sheaffer; Mary Sheaffer, Defendants-Appellees.

United States Court of Appeals, Ninth Circuit.

Decided November 21, 1994.

Attorney(s) appearing for the Case

Richard M. Moneymaker, Moneymaker & Kelly, Los Angeles, CA, for plaintiffs-appellants.

William C. Sias, (argued) Epstein, Becker & Green, Los Angeles, CA, Robert G. Uriarte, (on the briefs) Milner, Uriarte & Lorch, Pasadena, CA, and Jamie R. Schloss, Los Angeles, CA, for defendants-appellees.

Before: D.W. NELSON, BEEZER and KOZINSKI, Circuit Judges.

KOZINSKI, Circuit Judge.

This bankruptcy case presents both a procedural and a substantive question: first, whether objections to a debtor's claimed exemptions were timely under Bankruptcy Rule 4003(b); and second, whether a fully matured annuity policy is exempt under California law.

I

On October 7, 1991, Alan and Linda Bernard filed for relief under Chapter 7 of the Bankruptcy Code. Among the assets...

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