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IN RE SAPP

Bankruptcy No. 05-6643, Adversary Nos. 06-10, 06-63.

364 B.R. 618 (2007)

In re Joseph S. SAPP, Debtor. Bayer Employees Federal Credit Union, Plaintiff, v. Joseph S. Sapp, Defendant. Martin P. Sheehan, Trustee Plaintiff, v. Ray S. Sapp, Defendant.

United States Bankruptcy Court, N.D. West Virginia.

March 26, 2007.

Attorney(s) appearing for the Case

Elmer E. Bowser, New Martinsville, WV, for Bayer Employees Federal Credit Union.

Sheehan & Nugent, P.L.L.C., Wheeling, WV, for Martin P. Sheehan, Trustee.

MEMORANDUM OPINION

PATRICK M. FLATLEY, Bankruptcy Judge.

Bayer Employees Federal Credit Union ("Bayer") filed an adversary complaint against Joseph S. Sapp (the "Debtor") to except a $21,803 debt1 from the Debtor's Chapter 7 discharge, pursuant to 11 U.S.C. § 523(a)(2)(B), on the grounds that the Debtor submitted a materially false loan application to Bayer for the purpose of purchasing a mobile home. Based, in part...

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