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IN RE JAMES

Bankruptcy No. 97-35683-13, Adversary No. 98-3007-13.

221 B.R. 760 (1998)

In re Terry W. & Patti A. JAMES, Debtors. Terry W. & Patti A. JAMES, Plaintiffs, v. BLACKHAWK CREDIT UNION, Defendant.

United States Bankruptcy Court, W.D. Wisconsin.

June 5, 1998.

Attorney(s) appearing for the Case

Ms. Catherine J. Gloeckler, UAW-GM Legal Services, Janesville, WI, for plaintiff.

Mr. Scott F. Shadel, Nowlan & Mouat, Janesville, WI, for defendant.

MEMORANDUM DECISION

ROBERT D. MARTIN, Chief Judge.

Terry and Patti James (the "James") filed a chapter 13 petition on November 24, 1997 and filed this adversary proceeding on January 13, 1998 to determine the validity of a security interest claimed by Blackhawk Credit Union ("Blackhawk"). A trial was held on May 5, 1998.

Blackhawk filed a claim for $3,159 incurred by the use of the James' Visa credit card and secured by the James' Chevrolet Lumina...

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