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IN RE KUNTZ

Bankruptcy No. 499-44289-BJH-7, Adversary No. 99-4196.

249 B.R. 699 (2000)

In re Stacy Renea KUNTZ, Debtor. Universal Bank, N.A., Plaintiff, v. Stacy Renea Kuntz, Defendant.

United States Bankruptcy Court, N.D. Texas, Fort Worth Division.

June 23, 2000.

Attorney(s) appearing for the Case

John Park Davis, Davis Law Firm, Hurst, TX, for Debtor/Defendant.

Mark Stromberg, Shields, Britton & Fraser, Dallas, TX, for Plaintiff.

MEMORANDUM OPINION

BARBARA J. HOUSER, Bankruptcy Judge.

This Complaint for Nondischargeability of Debt (the "Complaint") was tried on June 15, 2000. Universal Bank, N.A. ("Universal" or "Plaintiff") seeks a determination that its debt is nondischargeable, and a recovery of costs and reasonable attorney's fees. Debtor seeks a determination that her debt to Universal is dischargeable, a determination that Universal was not substantially justified...

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