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IN RE RICHARDS

Bankruptcy No. 95-42756 S. Adv. No. 95-4228.

196 B.R. 481 (1996)

In re Cindi Scott RICHARDS. AT & T UNIVERSAL CARD SERVICES, Plaintiff, v. Cindi Scott RICHARDS, Defendant.

United States Bankruptcy Court, E.D. Arkansas, Little Rock Division.

May 10, 1996.

Attorney(s) appearing for the Case

Byron Southern, Little Rock, AR, for AT & T Universal Card Services.

Grisham A. Phillips, Benton, AR, for Cindi Scott Richards.

James F. Dowden, Trustee, Little Rock, AR.

FINDINGS OF FACT AND CONCLUSIONS OF LAW

MARY D. SCOTT, Bankruptcy Judge.

THIS CAUSE is before the Court upon the trial of the complaint to determine dischargeability. The creditor alleges that the debt owing to it is nondischargeable pursuant to 11 U.S.C. § 523(a)(2)(A), which provides:

A discharge under section 727 ... of this title does not discharge an individual debtor from any debt — (2) for money, property, services...

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