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IN RE PANEM

Bankruptcy Nos. 05-42516-SBB, 05-51221-SBB, Adversary Nos. 06-01174-SBB, 06-01347-SBB.

352 B.R. 269 (2006)

In re Jose E. PANEM, Jr. SS# XXXXX-2106, Debtor. MBNA America Bank, N.A., Plaintiff, v. Jose E. Panem, Jr., Defendant. In re Mary Linda Riley SS# XXXXX-4179, Debtor. Discover Bank, Issuer of the Discover Card, Plaintiff, v. Mary Linda Riley, Defendant.

United States Bankruptcy Court, D. Colorado.

September 13, 2006.

Attorney(s) appearing for the Case

Richard Ralston, Weinstein & Riley, P.S., Seattle, WA, Counsel for MBNA America Bank, N.A. and Discover Bank, Issuer of the Discover Card.

James T. Anest, James T. Anest, P.C., Parker, CO, Counsel for Jose E. Panem, Jr.

Mary Linda Riley, Denver, CO, pro se.

AMENDED1 MEMORANDUM. OPINION AND ORDER

SIDNEY B. BROOKS, Bankruptcy Judge.

THESE MATTERS came before the Court on June 1, 2006, for a telephonic hearing regarding:

(1) the parties' Motion for Approval of Stipulation of Nondischargeability and Payment Plan, filed on March 14, 2006 (Docket # 5) ("Panem Motion for Approval of Stipulation"), in MBNA America Bank, NA. v. Panem, Adversary Proceeding No....

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