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IN RE BERMINGHAM

Bankruptcy Nos. 96-30079, 96-30123, 96-30062 and 96-40687, Adv. Nos. 96-3028, 96-3030, 96-3024 and 96-4088.

201 B.R. 808 (1996)

In re Debra BERMINGHAM, Debtor. AT & T UNIVERSAL CARD SERVICE, Plaintiff, v. Debra BERMINGHAM, Defendant. In re Lisa FORT, Debtor. MERCANTILE BANK OF ILLINOIS, Plaintiff, v. Lisa FORT, Defendant. In re Rana Shiddharth DHAR, Debtor. MERCANTILE BANK OF ILLINOIS, Plaintiff, v. Rana Shiddharth DHAR, Defendant. In re Monica SHAW, Debtor. MERCANTILE BANK OF ILLINOIS, Plaintiff, v. Monica SHAW, Defendant.

United States Bankruptcy Court, W.D. Missouri.

October 9, 1996.

Attorney(s) appearing for the Case

Amy J. Ginsberg, Kramer & Frank, P.C., Kansas City, MO, Kathryn A. Klein, Kramer & Frank, P.C., St. Louis, MO, for AT & T Universal Card Service.

Daniel S. Rabin, Berman, Singer & Rabin, Kansas City, MO, for Mercantile Bank of Illinois.

Robert Parrish, Joplin, MO, for Debra Bermingham.

Jerry L. Holcolmb, Joplin, MO, Philip J. Metz, Joplin, MO, Lydia M. Carson, Carson Law Center, P.C., Kansas City, MO, for defendants.

MEMORANDUM OPINION

ARTHUR B. FEDERMAN, Bankruptcy Judge.

I. FACTUAL BACKGROUNDS

These four adversary proceedings all involve the dischargeability of credit card debt incurred by the four Chapter 7 debtors. They are further related by the fact that all four debtors and creditors negotiated a settlement prior to a trial on the merits and asked this Court to render a consent judgment in favor of the creditor. I take all four of the cases...

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