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IN RE GARRETT

Bankruptcy No. 94-10387-JEY. Adv. Nos. 94-1093-MWV, 94-1094-MWV, 94-1095-MWV and 94-1096-MWV.

180 B.R. 358 (1995)

In re Valerie E. GARRETT, Debtor. Valerie E. GARRETT, Plaintiff, v. NEW HAMPSHIRE HIGHER EDUCATION ASSISTANCE FOUNDATION, Defendant. Valerie E. GARRETT, Plaintiff, v. NORTHSTAR GUARANTEE, INC., Defendant. Valerie E. GARRETT, Plaintiff, v. MASSACHUSETTS HIGHER EDUCATION ASSISTANCE CORPORATION, d/b/a American Student Assistance, Defendant. Valerie E. GARRETT, Plaintiff, v. PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY, a/k/a PHEAA, Defendant.

United States Bankruptcy Court, D. New Hampshire.

April 4, 1995.

Attorney(s) appearing for the Case

Arthur Trombly, Keene, NH, for plaintiff Valerie E. Garrett.

J. Christopher McGuirk, Newmarket, NH, for defendant NH Higher Educ. Assistance Foundation.

Richard Craven, Chapter 7 Trustee, Nashua, NH.

Gerri Karonis, Manchester, NH, for U.S. Trustee.

Randall Pratt, Schreiber and Associates, Harrisburg, PA, for defendant Northstar Guarantee, Inc.

K. Kevin Murphy, PHEAA, Harrisburg, PA, and Mark Connolly, Concord, NH, for defendant PA Higher Educ. Assistance Agency.

John J.A. Schrepfer, Schrepfer and Paradis, Manchester, NH, for defendant MA Higher Educ. Assistance Corp. d/b/a American Student Assistance.

John Ullian, Law Office of L. Ullian & Assoc., Braintree, MA, for defendant MA Higher Educ. Assistance Corp. d/b/a American Student Assistance.

MEMORANDUM OPINION

MARK W. VAUGHN, Bankruptcy Judge.

The Court has before it four adversary proceedings brought by the debtor/plaintiff, Valerie Garrett ("Garrett"), against the respective following defendants: Northstar Guarantee, Inc. ("Northstar"), New Hampshire Higher Education Assistance Foundation ("NHHEAF"), Pennsylvania Higher Education Assistance Agency ("PHEAA") and Massachusetts Higher Education Assistance Corporation ("MHEAC") (collectively...

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