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IN RE MUTO

Bankruptcy No. 94-62735, Adversary No. 94-70184.

216 B.R. 325 (1996)

In re Joseph MUTO, Sheryl Muto, Debtors. Joseph MUTO, Sheryl Muto, Plaintiffs, v. Sallie MAE, UNIPAC Service Corp., Great Lakes Higher Education Services, New York State Education Services Corporation, Defendants.

United States Bankruptcy Court, N.D. New York.

February 13, 1996.

Attorney(s) appearing for the Case

Mackenzie, Smith, Lewis, Michell & Hughes, LLP, Syracuse, NY (Kevin J. O'Brien, of Counsel), for Plaintiffs.

New York State Higher Education Services Corporation, Albany, NY (Margaret M. Gonsowski, of Counsel), for Defendants.

Dew & Blaney, Madison, WI (Lloyd J. Blaney, of Counsel), for Great Lakes Higher Education Services.

MEMORANDUM-DECISION, FINDINGS OF FACT, CONCLUSIONS OF LAW AND ORDER

STEPHEN D. GERLING, Chief Judge.

Before the Court is an adversary proceeding commenced on December 9, 1994, by Joseph Muto ("J. Muto") and Sheryl Muto ("S. Muto") (collectively "Debtors") against Sallie Mae-VA ("Sallie Mae"), UNIPAC Service Corporation ("UNIPAC"), Great Lakes Higher Education Services ("Great Lakes") and New York State Higher Education...

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