In re: Jose J. Hernandez

FILED APR 04 2014 1 NOT FOR PUBLICATION 2 SUSAN M. SPRAUL, CLERK U.S. BKCY. APP. PANEL OF THE NINTH CIRCUIT 3 UNITED STATES BANKRUPTCY APPELLATE PANEL 4 OF THE NINTH CIRCUIT 5 In re: ) BAP No. SC-13-1301-PaJuKu ) 6 JOSE J. HERNANDEZ, ) Bankr. No. 11-15921-MM7 ) 7 Debtor. ) ______________________________) 8 ) COLLECT ACCESS, LLC, ) 9 ) Appellant, ) 10 ) v. ) M E M O R A N D U M1 11 ) JOSE HERNANDEZ, ) 12 ) Appellee.2 ) 13 ______________________________) 14 Argued and Submitted on March 20, 2014 at Pasadena, California 15 Filed - April 4, 2014 16 Appeal from the United States Bankruptcy Court…