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IN RE ETTELL

No. 98-15592.

188 F.3d 1141 (1999)

In re Christopher W. ETTELL, aka Christopher W. Ettell; Marla Ettell, aka Marla Ettel, aka Maria Ettel, Debtors. Household Credit Services, Inc., Appellant, v. Christopher W. Ettell; Marla Ettell, Appellees.

United States Court of Appeals, Ninth Circuit.

Filed August 24, 1999.

Attorney(s) appearing for the Case

John A. Graham, Jeffer, Mangels, Butler & Marmaro, Los Angeles, California, for appellant.

Christopher W. Ettell, Pro per, Lafayette, California, for appellees.

Before: FERGUSON and THOMAS, Circuit Judges, and KING, District Judge.

THOMAS, Circuit Judge:

Household Credit Services claims that Christopher Ettell engaged in credit card fraud and ought to be denied a bankruptcy discharge. However, we agree with the Bankruptcy Appellate Panel ("BAP"), and affirm its decision that the debt was dischargeable.

I

Ettell was a licensed automobile broker, operating a sole proprietorship known as Personal Motor Services. California law required...

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