McDow v. American Debt Free Ass'n (In Re Spence)

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, Injunc-tive 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.

Background

A. Procedure

The UST filed Complaints on November 1, 2007, in 45 adversary proceedings. 1 These proceedings were consolidated for trial, the…