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IN RE FIRST FINANCIAL ASSOCIATES, INC.

Bankruptcy No. 99-62270 JPK; Adversary No. 01-6148.

371 B.R. 877 (2007)

In re FIRST FINANCIAL ASSOCIATES, INC., Debtor. Kenneth A. Manning, Trustee, Plaintiff, v. Dorothy Wallace, First Financial Mortgage, Inc., Elmer Shults, Dorothy L. Wallace, Personal Representative of the Estate of Darrell E. Shults, deceased and Sole Heir, and First Financial Business Group, Inc., Defendants.

United States Bankruptcy Court, N.D. Indiana, Hammond Division.

July 20, 2007.

Attorney(s) appearing for the Case

Kenneth A. Manning, Esq., James, James & Manning, P.C., Dyer, IN, for the Plaintiff/Chapter 7 Trustee.

Dorothy Wallace, pro se.

Elmer Shults, pro se.

MEMORANDUM AND DECISION OF FINAL JUDGMENT/FINDINGS OF FACT AND CONCLUSIONS OF LAW

J. PHILIP KLINGEBERGER, Bankruptcy Judge.

This adversary proceeding was initiated by the complaint of Kenneth A. Manning, Chapter 7 Trustee ("Trustee") of First Financial Associates, Inc. ("Debtor") filed on June 29, 2001. The complaint designated five (5) defendants: Dorothy L. Wallace personally; Dorothy L. Wallace as the Personal Representative of the Estate of Darrell...

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