IN RE HLADY

Case No. 8-16-74011-las. Adv. Pro. No. 8-16-08181-las.

616 B.R. 257 (2020)

IN RE: Cherie Ann HLADY dba Hlady Law Firm, PC, Debtor. Cherie Ann Hlady, Plaintiff, v. Key Bank N.A., American Education Services, Citibank, N.A., Citibank Student Loan Company, and New York State Higher Education Services, Corp., Defendants.

United States Bankruptcy Court, E.D. New York.

Signed April 24, 2020.


Attorney(s) appearing for the Case

Natalie Jean-Baptiste , Law Office of Natalie Jean-Baptiste, PC, Uniondale, NY, for Plaintiff.

American Education Services, Harrisburg, PA, Pro Se.

Key Bank N.A., Cleveland, OH, Pro Se.

New York State Higher Education Services Corp., Albany, NY, Pro Se.

Citibank N. A., Sioux Falls, SD, Pro Se.

Citibank Student Loan Company, Pittsford, NY, Pro Se.

Kenneth L. Baum , Law Offices of Kenneth L. Baum LLC, Hackensack, NJ, for Defendant.


MEMORANDUM DECISION AFTER TRIAL

Plaintiff Cherie Ann Hlady commenced this adversary proceeding seeking the discharge of her student loan debt to Educational Credit Management Corporation ("ECMC")1 under 11 U.S.C. § 523(a)(8)2

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