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IN RE MAY

Bankruptcy No. DT 09-04644. Adversary No. 09-80323.

428 B.R. 393 (2010)

In re Vernon Harold MAY, Debtor. FIA Card Services, N.A., Plaintiff, v. Vernon Harold May, Defendant.

United States Bankruptcy Court, W.D. Michigan.

May 3, 2010.

Attorney(s) appearing for the Case

Lawrence G. Reinhold, Weinstein & Riley, P.S., Akron, OH, for Plaintiff.

David M. Kipley, Brott, Kipley, Settles & Shumar, PC, Acme, MI, for Defendant.

OPINION AND ORDER AFTER TRIAL

SCOTT W. DALES, Bankruptcy Judge.

I. INTRODUCTION

This matter came before the court on the Complaint of FIA Card Services, N.A. (the "Plaintiff") against Defendant/Debtor Vernon Harold May ("Defendant" or "Mr. May"). The court held a trial on Wednesday, April 21, 2010 in Traverse City, Michigan. The parties submitted written closing arguments. The following constitutes...

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