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IN RE HOWARD

Bankruptcy No. 00-21604. Adversary No. 00-214.

276 B.R. 113 (2002)

In re Ashley Lewis HOWARD and Sharon Lynn Howard, Debtors. Universal Bank, N.A., Plaintiff, v. Sharon Lynn Howard and Ashley Lewis Howard, Defendants.

United States Bankruptcy Court, S.D. West Virginia.

March 5, 2002.

Attorney(s) appearing for the Case

William M. Watkins, III, Scott Depot, WV, for Debtors.

Charles I. Jones, Jr., Charleston, WV, trustee.

ORDER GRANTING JUDGMENT FOR THE DEFENDANTS

RONALD G. PEARSON, Bankruptcy Judge.

On June 19, 2001, a trial was held on the Complaint of Universal Bank, N.A. objecting to the discharge of the debt owed by Sharon Lynn Howard and Ashley Lewis Howard pursuant to 11 U.S.C. § 523(a)(2)(A). For the reasons that follow, the Court finds in favor of the Defendants.

I. FACTS

Ashley Lewis Howard worked as a draftsman until he was laid off...

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