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IN RE BRUNELL

Bankruptcy No. 04 17792 WCH. Adversary No. 04 01435.

356 B.R. 567 (2006)

In re David B. BRUNELL, Jennifer Gail Brunell, Debtors. Jennifer Gail Brunell, Plaintiff, v. Citibank (South Dakota) N.A., Educational Credit Management Corporation and Chemical Bank Educational Financial Group, Defendants.

United States Bankruptcy Court, D. Massachusetts, Eastern Division.

December 8, 2006.

Attorney(s) appearing for the Case

Cynthia J. Clark, Fitchburg, MA, for Debtors.

Gary W. Cruickshank, Law Office of Gary W. Cruickshank, Boston, MA, for Plaintiff.

John F. White, Topkins & Bevans, Braintree, MA, for Intervenor-Defendant.

MEMORANDUM OF DECISION

WILLIAM C. HILLMAN, Bankruptcy Judge.

I. Introduction

In her Chapter 7 bankruptcy case, plaintiff Jennifer Gail Brunell ("Debtor") filed an adversary complaint ("Complaint") seeking the discharge of her educational loans under 11 U.S.C. § 523(a)(8). Educational Credit Management Corporation. ("ECMC") filed a motion to intervene in this matter and I allowed ECMC to substitute as defendant for Wells Fargo...

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