No. 96-2293.

141 F.3d 277 (1998)

In re Benethel REMBERT, Debtor. Benethel REMBERT, Appellee, v. AT & T UNIVERSAL CARD SERVICES, INC.; Citibank South Dakota, N.A., Appellants.

United States Court of Appeals, Sixth Circuit.

Decided April 9, 1998.

Rehearing and Suggestion for Rehearing Denied May 29, 1998.

Attorney(s) appearing for the Case

Adam L. Wiener (argued and briefed), David H. Lewiston, Law Offices of David H. Lewiston, Southfield, MI, for Appellee.

Richardo I. Kilpatrick (argued and briefed), Patrick Casey Coston, Shermeta, Chimko & Kilpatrick, Rochester Hills, MI, for Appellants.

Before: KRUPANSKY, DAUGHTREY, and COLE, Circuit Judges.

Rehearing and Suggestion for Rehearing En Banc Denied May 29, 1998.*

COLE, J., delivered the opinion of the court, in which DAUGHTREY, J., joined. KRUPANSKY, J. (pp. 283-284), delivered a separate concurring opinion.

COLE, Circuit Judge.

Appellants AT & T Universal Card Services, Inc. ("AT & T") and Citibank South Dakota, N.A. ("Citibank") appeal the district court's order that reversed a judgment of the bankruptcy...


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