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IN RE REID

Bankruptcy No. 98-12103 K. Adversary No. 98-1194 K.

237 B.R. 577 (1999)

In re Patrick W. REID and Roselyn J. Reid, Debtors. F.C.C. National Bank, Plaintiff, v. Roselyn J. Reid, Defendant.

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

August 5, 1999.

Attorney(s) appearing for the Case

Robert S. Cooper, Rochester, NY, for plaintiff.

Brendan C. Hand, Buffalo, NY, for defendant.

DECISION AFTER TRIAL

MICHAEL J. KAPLAN, Chief Judge.

This 11 U.S.C. § 523(a)(2)(A) action was tried to the Bench on June 29, 1999. The following decision includes the Court's Findings and Conclusions under Rule 52, F.R.Civ.P.

INTRODUCTION

The Court today finds that unless a "pre-approved" credit card commands a different result (as described in footnote 1), turning one's credit card and line of credit and PIN over to another (even...

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