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IN RE BURDGE

BAP No. NC-95-1498-MuMeR. Bankruptcy No. 93-34864-WTC. Adv. No. 94-3114-TC.

198 B.R. 773 (1996)

In re Violanta BURDGE, Debtor. AT & T UNIVERSAL CARD SERVICES, Appellant, v. Violanta BURDGE, Appellee.

United States Bankruptcy Appellate Panel of the Ninth Circuit.

Decided June 25, 1996.

Attorney(s) appearing for the Case

Anne L. Keck, Santa Rosa, CA, for Appellant.

Dean Lloyd, Palo Alto, CA, for Appellee.

Before: MUND, MEYERS and RUSSELL, Bankruptcy Judges.

OPINION

MUND, Bankruptcy Judge:

I. OVERVIEW

AT & T appeals the bankruptcy court's determination that only $4,000 of a credit card debt totaling $8,684.74 is non-dischargeable under 11 U.S.C. § 523(a)(2)(A). The remaining $4,684.742 of the debt was held to be dischargeable because that portion was incurred after the creditor increased the credit limit,...

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