In Re Shemwell

MEMORANDUM-OPINION

JOAN A. LLOYD, Bankruptcy Judge.

This matter is before the Court on the Objection to Claim of Commonwealth Credit Union (“Credit Union”) by the Debtor Kimberly Denise Shemwell (“Debt- or”). The Court considered the submissions of the parties and the comments of counsel at the hearing held on the matter. For the following reasons, the Court OVERRULES the Debtor’s objection.

FACTS

On February 10, 2003, Debtor signed an application for an open-end revolving Visa credit card account with the Credit Union.

On August 3, 2004, Debtor signed a Revolving Credit Agreement and Disclosure,…