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IN RE CHAPELLE

Bankruptcy No. LA 04-26542 TD, Adversary No. LA 04-02655 TD.

328 B.R. 565 (2005)

In re Paulette CHAPELLE, Debtor. Paulette Chapelle, an individual, Plaintiff. v. Educational Credit Management Corporation, Defendant.

United States Bankruptcy Court, C.D. California.

July 22, 2005.

Attorney(s) appearing for the Case

Scott A. Schiff, Soukup and Schiff, LLP, Los Angeles, CA, for Defendant.

John Menchaca, Los Angeles, CA, Chapter 7 Trustee.

MEMORANDUM OF DECISION AFTER TRIAL

THOMAS B. DONOVAN, Bankruptcy Judge.

INTRODUCTION

This adversary proceeding was brought by the Debtor, Paulette Chapelle (Ms. Chapelle), against Educational Credit Management Corporation (Defendant), to obtain a discharge of her student loan obligations pursuant to 11 U.S.C. § 523(a)(8). It was tried before me on July 7, 2005. The Defendant was represented by counsel and Ms. Chapelle appeared pro se.

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