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IN RE RAMIREZ

Bankruptcy No. 94-14411-BKC-AJC. Adv. No. 95-0127-BKC-AJC-A.

184 B.R. 859 (1995)

In re Waldo Roberto RAMIREZ, Debtor. AT & T UNIVERSAL CARD SERVICES CORP., Plaintiff, v. Waldo Roberto RAMIREZ, Defendants.

United States Bankruptcy Court, S.D. Florida.

July 6, 1995.

Attorney(s) appearing for the Case

James Schwitalla, Miami, FL, for plaintiff.

Waldo Roberto Ramirez, Coral Gables, pro se.

FINDINGS OF FACT AND CONCLUSIONS OF LAW

A. JAY CRISTOL, Chief Judge.

This matter came before the Court on June 22, 1995 upon the Complaint of AT & T UNIVERSAL CARD SERVICES CORP., (the "Plaintiff"), seeking to except the outstanding balance of debtor WALDO ROBERTO RAMIREZ'S AT & T credit card account from discharge under 11 U.S.C. § 523(a)(2)(A). The Court having heard the testimony, examined the evidence presented, observed the candor...

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