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IN RE SPITKO

Bankruptcy No. 04-18836. Adversary Nos. 04-975, 04-1049.

357 B.R. 272 (2006)

In re Carl SPITKO and Elizabeth Goetz-Spitko, Debtors. Wachovia Bank, N.A., Plaintiff, v. Carl Spitko, and Elizabeth Goetz-Spitko, Defendants. Howard Glassman, Trustee, Plaintiff, Carl Spitko, and Elizabeth Goetz-Spitko, Defendants.

United States Bankruptcy Court, E.D. Pennsylvania.

October 23, 2006.

Attorney(s) appearing for the Case

Joshua A. Gelman, Kenneth J. Lafiandra, Jacobs Law Group, PC, Philadelphia, PA, David J. Gaier, Kevin J. Burke, Rosetta B. Packer, McCarter & English, LLC, Philadelphia, PA, for plaintiffs.

Albert A. Ciardi, III, Dimitri L. Karapelou, Ciardi & Ciardi, P.C., Philadelphia, PA, for defendants.

Carl Spitko, Rydal, PA, pro se.

Elizabeth Goetz-Spitko, Rydal, PA, pro se.

OPINION

BRUCE FOX, Bankruptcy Judge.

In the above-captioned consolidated adversary proceedings1, the plaintiffs Wachovia Bank, N.A. and Howard Glassman, the chapter 7 trustee, assert that the defendants, debtors Carl Spitko and Elizabeth Goetz-Spitko, should be denied their bankruptcy discharge pursuant to 11 U.S.C. § 727(a)(2)(A), (3), (4), and/or (5). The defendants oppose such relief.

In essence, the plaintiffs...

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