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IN THE MATTER OF FREEMAN

Case No. 10-32105 JPS, Adversary Proceeding No. 11-3019.

In the Matter of: TERRY ROBERT FREEMAN, Chapter 7, Debtor. MOUNTAIN VALLEY COMMUNITY BANK, Plaintiff, v. TERRY ROBERT FREEMAN, Defendant.

United States Bankruptcy Court, M.D. Georgia, Athens Division.

December 21, 2012.

Attorney(s) appearing for the Case

Thomas E. Austin, Jr. , Atlanta, Georgia, for Plaintiff.

Robert J. Kiser , Kiser Law, P.C., Loganville, Georgia, for Defendant/Debtor.

MEMORANDUM OPINION

JAMES P. SMITH, Bankruptcy Judge.

Before the Court is Plaintiff's objection to dischargeability of a claim against Debtor. This matter came on for trial on September 20, 2012. The Court, having considered the testimony and other evidence presented, the stipulation of facts, the post-trial briefs, and the applicable law, now publishes this memorandum opinion.

FACTS

Debtor Terry...

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