In re: Gregory Paul Beardsley and Rebecca Haro Beardsley

FILED AUG 28 2015 1 NOT FOR PUBLICATION 2 SUSAN M. SPRAUL, CLERK U.S. BKCY.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. NC-14-1230-DKiTa ) 6 GREGORY PAUL BEARDSLEY and ) Bk. No. 11-55414-MEH REBECCA HARO BEARDSLEY, ) 7 ) Debtors. ) 8 ______________________________) ) 9 RABOBANK, N.A., ) ) 10 Appellant, ) ) 11 v. ) M E M O R A N D U M1 ) 12 GREGORY PAUL BEARDSLEY; ) REBECCA HARO BEARDSLEY; ) 13 JOHN W. RICHARDSON, CHAPTER 7 ) TRUSTEE, ) 14 ) Appellees. ) 15 ______________________________) 16 Argued and Submitted on May…