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IN RE SIMMS

Bankruptcy No. 02-64410-SD, Adversary No. 03-5080-SD.

328 B.R. 437 (2005)

In re: Karen Elizabeth SIMMS, Debtor. Karen Elizabeth Simms, Plaintiff, v. USA Funds, c/o Pioneer Credit Recovery, Inc., Defendant.

United States Bankruptcy Court, D. Maryland.

July 14, 2005.

Attorney(s) appearing for the Case

Karen Elizabeth Simms, Plaintiff, pro se.

Rand Gelber, Rockville, MD, for Defendant.

Zvi Guttman, Trustee.

FINDINGS OF FACT AND CONCLUSIONS OF LAW

MARK B. MCFEELEY, Bankruptcy Judge.

THIS MATTER is before the Court on remand of the Court's decision by the United States District Court for the District of Maryland, Northern Division for further proceedings consistent with the District Court's Memorandum Opinion and Order ("Memorandum"). The District Court vacated the judgment entered November 5, 2004 in favor of...

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