Household Finance Corp. v. Schoeff (In Re Schoeff)

DECISION

ROBERT E. GRANT, Bankruptcy Judge.

This matter is before the court to consider the issues raised by plaintiff’s complaint to determine dischargeability, filed pursuant to 11 U.S.C. § 523(a)(2)(B). The loan in question arises out of the debtor’s response to plaintiffs mass mailing campaign. This was part of a special marketing program which plaintiff apparently implemented in order to increase its existing customer base. In this campaign, a selected group of individuals were sent invitations to borrow money. The recipients were preap-proved, subject only to the requirement that they…