FCC National Bank v. Laursen (In Re Laursen)

MEMORANDUM

JOHN C. MINAHAN, Jr., Bankruptcy Judge.

This adversary proceeding was commenced by the plaintiff, FCC National Bank, d/b/a First Card, (the “Bank”) on June 21, 1996. The Bank asserts that the obligation of the debtors, David and Patti Laursen, to the Bank is excepted from discharge under section 523(a)(2)(A) of the Bankruptcy Code. I conclude that the debt is dischargeable. The Bank has failed to establish that David Laursen has any liability on the credit card and the Bank has failed to prove that Patti Laursen engaged in any false pretenses, false representation or actual fraud.

In…