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IN RE BERSCHEID

Bankruptcy No. 01-44796. Adversary No. 02-4024.

309 B.R. 5 (2002)

In re Thomas I. BERSCHEID and Lisa G. Berscheid, Debtors. Thomas I. Berscheid, Plaintiff, v. Educational Credit Management Corporation, Defendant.

United States Bankruptcy Court, D. Minnesota.

November 4, 2002.

Attorney(s) appearing for the Case

Michael J. McNamara, Brooklyn Center, MN, for Plaintiff.

Christopher M. McCullough, Minneapolis, MN, for Defendant.

FINDINGS OF FACT CONCLUSIONS OF LAW, AND ORDER FOR JUDGMENT

NANCY C. DREHER, Bankruptcy Judge.

The above-entitled matter came on for trial before the undersigned United States Bankruptcy Judge on October 29, 2002, at 10:00 a.m. Plaintiff Thomas I. Berscheid ("Berscheid") was represented by Michael J. McNamara, and Defendant Educational Credit Management Corporation ("ECMC") was represented by Christopher M. McCullough.

The court having considered...

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