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IN RE ZYGAREWICZ

Bankruptcy No. 05-31918-A-7. Adversary No. 08-2723.

423 B.R. 909 (2010)

In re Angela ZYGAREWICZ, Debtor. Angela Zygarewicz, Plaintiff, v. Educational Credit Management Corporation, Defendant.

United States Bankruptcy Court, E.D. California, Sacramento Division.

January 15, 2010.

Attorney(s) appearing for the Case

Angela Zygarewicz, Citrus Heights, CA, pro se.

MEMORANDUM

MICHAEL S. McMANUS, Bankruptcy Judge.

Angela Zygarewicz, a chapter 7 debtor and the plaintiff in this adversary proceeding, borrowed 16 government-guaranteed student loans totaling $81,429. The loans have been assigned to Educational Credit Management Corporation ("ECMC"). By September 2009, the accrual of interest on these student loans had caused the debt to balloon to more than $146,000. The debtor asks the court to declare that these student...

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