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IN RE HULL

Bankruptcy No. 97-24821, Adversary No. 98-2050.

223 B.R. 876 (1998)

In re Denise M. HULL f/k/a Denise M. Messina, Debtors. Denise M. HULL f/k/a Denise M. Messina, Plaintiffs, v. FLEET BANK f/k/a Norstar Bank, N.A., c/o AFSA Data Corporation and New York State Higher Education Services Corporation, Defendants.

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

August 31, 1998.

Attorney(s) appearing for the Case

Michael H. Arnold, Place & Arnold, Fairport, NY, for Plaintiff.

John G. McGrath, NYSHESC, Albany, NY, for Defendants.

DECISION & ORDER

JOHN C. NINFO, II, Bankruptcy Judge.

BACKGROUND

On December 23, 1997, Denise M. Hull (the "Debtor") filed a petition initiating a Chapter 7 case. On her schedules, required by Section 521 and Rule 1007, the Debtor listed AFSA-Fleet ("Fleet") as an unsecured creditor for student loans that were refinanced in December 1990 (the "Consolidation Loan"). The outstanding balance on...

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