DECISION AFTER TRIAL
MICHAEL J. KAPLAN, Bankruptcy Judge.
PROCEDURAL POSTURE
Defendant Richard F. Collins ("Collins") filed Chapter 7 on March 24, 2000 (Case No. 00-11547) and defendant Christopher Karl Ridsdale ("Ridsdale") filed Chapter 7 on April 26, 2000 (Case No. 00-21154). Plaintiff, Hi-Qual Roofing & Siding Materials, Inc. ("Hi-Qual") commenced a separate adversary proceeding in each case to determine whether the debt owed to...
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