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IN RE SPENCE

Bankruptcy No. 05-90478PM. Adversary Nos. 07-00854, 07-00852 through 07-00861, 07-00863, 07-00873, 07-00875, 07-00898.

411 B.R. 230 (2009)

In re Charles H. SPENCE, et al., Debtors. W. Clarkson McDow, Jr., United States Trustee, Plaintiff, v. The American Debt Free Association, Inc., Defendant.

United States Bankruptcy Court, D. Maryland, at Greenbelt.

January 14, 2009.

Attorney(s) appearing for the Case

David I.(UST) Gold, Office of the United States Trustee, Jeanne M. Crouse, Greenbelt, MD, for Plaintiff.

Brian E. Barkley, Barkley and Kennedy, Rockville, MD, for Defendant.

MEMORANDUM OF DECISION

PAUL MANNES, Bankruptcy Judge.

These proceedings came before the court for trial on July 30, 2008, on the Complaint of the United States Trustee ("UST") Seeking Civil Penalties, Injunctive and Other Miscellaneous Relief filed against The American Debt Free Association, Inc. ("TADFA"). After careful review of the record and the argument of the parties, the court submits the following findings of facts and conclusions of law.

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