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IN RE ARM

BAP No. CC-93-1763-VHJ. Bankruptcy No. LA 92-37104-VZ. Adv. No. LA 92-04809-VZ.

175 B.R. 349 (1994)

In re Fred H. ARM, Debtor. Fred H. ARM, Appellant, v. A. LINDSAY MORRISON, M.D., INC. and Merlin L. Neff, M.D., Inc., Appellees.

United States Bankruptcy Appellate Panel of the Ninth Circuit.

Decided December 9, 1994.

Attorney(s) appearing for the Case

Fred H. Arm, in pro. per.

Richard S. Price, Fullerton, CA, for appellees.

Before VOLINN, HAGAN and JONES, Bankruptcy Judges.

VOLINN, Bankruptcy Judge:

OVERVIEW

The debtor and others formed a "Massachusetts Trust" which acted as surety for certain investment loans. The surety failed to pay on claims after the loans had defaulted. When the debtor filed his chapter 7 petition, the creditors brought an action under 11 U.S.C. § 523 to bar discharge of their claims. After trial, the bankruptcy court adjudged the debts nondischargeable. We AFFIRM.

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