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IN RE MURPHY

Bankruptcy No. 91-07838-TOM-13. Adversary No. 99-00086.

257 B.R. 72 (2000)

In re Roceliua D. MURPHY, Debtor. Roceliua D. Murphy, Plaintiff, v. Educational Credit Management Corporation, Defendant.

United States Bankruptcy Court, N.D. Alabama, Southern Division.

November 8, 2000.

Attorney(s) appearing for the Case

Dennis G. Pantazis, Birmingham, AL, for Plaintiff.

Edward McF. Johnson, Birmingham, AL, for Plaintiff.

Jerry O. Lorant, Homewood, AL, for Plaintiff.

W. McCollum Halcomb, Birmingham, AL, for ECMC.

Ellen Kornblum, Beverly Hills, CA, for AFSA.

David P. Rogers, Birmingham, AL, Standing Chapter 13 Trustee.

MEMORANDUM OPINION

TAMARA O. MITCHELL, Chief Judge.

This matter comes before the Court to determine dischargeability of a debt after an Order was entered bifurcating the adversary proceeding. (A.P. Proceeding No. 12). A joint stipulation of facts was submitted by the plaintiff Roceliua D. Murphy (hereinafter "Plaintiff" or "Debtor") and defendants Educational Credit Management Corporation (hereinafter "ECMC...

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