IN RE HUNG TAN PHAM

BAP No. EC-98-1845BMaR. Bankruptcy No. 98-22266-C-7. Adversary No. 98-2300.

250 B.R. 93 (2000)

In re HUNG TAN PHAM, Debtor. AT & T Universal Card Services, Corp., Appellant, v. Hung Tan Pham, Appellee.

United States Bankruptcy Appellate Panel of the Ninth Circuit.

Filed February 22, 2000.

Amended Opinion Filed June 13, 2000.


Attorney(s) appearing for the Case

Anne L. Keck, Ahern & Keck, Santa Rosa, CA, for AT & T Universal Card Services.

Before BRANDT, RUSSELL, and MARLAR, Bankruptcy Judges.


AMENDED OPINION

BRANDT, Bankruptcy Judge.

Debtor/Defendant Hung Tam Pham (Pham) entered into two cardmember agreements with appellant, AT & T Universal Card Services Corporation. Pham made no payments on either account, and exceeded his credit limits by writing payment checks on insufficient funds, and then using the accounts in the interval before the credits for those checks were reversed.

The bankruptcy court found AT & T's claim nondischargeable...

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