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IN RE TREJO

Bap No. NC-11-1652-HPaMk, Bk. No. 10-58782, Adv. No. 10-05392.

In re: OSCAR TREJO, Debtor. HERITAGE PACIFIC FINANCIAL, LLC, d/b/a Heritage Pacific Financial, a Texas Limited Liability Company, Appellant, v. OSCAR TREJO, Appellee.

United States Bankruptcy Appellate Panel, Ninth Circuit.

Filed December 20, 2012.

Attorney(s) appearing for the Case

Brad A. Mokri , Law Offices of Mokri & Associates, argued for Appellant.

Jennifer Bregante , Alexander Community Law Center of Santa Clara University School of Law, argued for Appellee.2

Before: HOLLOWELL, PAPPAS, and MARKELL, Bankruptcy Judges.

MEMORANDUM1

Heritage Pacific Financial, LLC (Heritage) filed a complaint alleging that the debtor's loan obligation was nondischargeable under § 523(a)(2).3 After trial, the bankruptcy court entered judgment in favor of the debtor. Heritage appeals. We AFFIRM.

I. FACTS

On March 6, 2006, Oscar Trejo (the Debtor) applied for a loan from American Mortgage Express Financial dba Millennium...

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