AmeriCU Credit Union v. Calogero (In re Calogero)

Memorandum-Decision and Order

Margaret Cangilos-Ruiz United States Bankruptcy Judge

AmeriCU Credit Union (“AmeriCU” or “Plaintiff’) filed this adversary proceeding against Lizette Calogero (“Defendant” or “Debtor”) seeking a determination that a car loan deficiency balance of $22,445.79 (“Debt”) is nondischargeable pursuant to 11 U.S.C. § 523(a)(2)(B).1 AmeriCU specifically claims that Debtor, with intent to deceive Plaintiff in order to obtain a car loan, materially misstated her financial condition in a credit application, upon which AmeriCU reasonably relied in extending credit. The court…