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IN RE ALVI

Bankruptcy Nos. 95 B 3378, 95 A 505 and 95 A 365.

191 B.R. 724 (1996)

In re Tanvir ALVI, Debtor. AT & T UNIVERSAL CARD SERVICES, Plaintiff, v. Tanvir ALVI, Defendant. FCC NATIONAL BANK, Plaintiff, v. Tanvir ALVI, Defendant.

United States Bankruptcy Court, N.D. Illinois, Eastern Division.

January 10, 1996.

Attorney(s) appearing for the Case

Lawrence Friedman, Chicago, IL, for AT & T Universal Card Services and FCC Nat. Bank.

Edward Joseph Varga, Ruddy & Varga, Aurora, IL, for Tanvir Alvi.

Roy Safanda, Trustee, St. Charles, IL.

MEMORANDUM OPINION AND ORDER

ROBERT E. GINSBERG, Bankruptcy Judge.

This matter is before the Court on the complaints of two creditors to determine whether certain credit card debts incurred by the Debtor, Tanvir Alvi, are nondischargeable under 11 U.S.C. § 523(a)(2)(A).1 The Plaintiffs presented their cases in full at a trial held December 7, 1995. After the Plaintiffs rested and before presenting his case in chief...

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