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IN RE ARROYO

Bankruptcy No. 96-12873-BKC-AJC, Adv. No. 96-0795-BKC-AJC.

205 B.R. 984 (1997)

In re Jose A. ARROYO, Debtor. AT & T UNIVERSAL CARD SERVICES CORP., Plaintiff, v. Jose A. ARROYO, Defendant.

United States Bankruptcy Court, S.D. Florida.

January 30, 1997.

Attorney(s) appearing for the Case

James Miller.

James Schwitalla, Miami, FL.

FINDINGS OF FACT AND CONCLUSIONS OF LAW

A. JAY CRISTOL, Chief Judge.

THIS CAUSE came before the Court on November 19, 1996, at 10:00 a.m., for trial upon the Complaint for Nondischargeability of Debt pursuant to 11 U.S.C. § 523(a)(2), filed by the plaintiff, AT & T Universal Card Services Corp. ("AT & T"), against the debtor/defendant, Jose A. Arroyo (the "Debtor"). Having heard the testimony of the witnesses and the argument...

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