At & T Universal Card Service v. Bermingham (In Re Bermingham)

MEMORANDUM OPINION

ARTHUR B. FEDERMAN, Bankruptcy Judge.

I. FACTUAL BACKGROUNDS

These four adversary proceedings all involve the dischargeability of credit card debt incurred by the four Chapter 7 debtors. They are further related by the fact that all four debtors and creditors negotiated a settlement prior to a trial on the merits and asked this Court to render a consent judgment in favor of the creditor. I take all four of the cases up in this consolidated opinion to demonstrate why I entered the consent judgment in two of the cases, refused to enter judgment in a third, and allowed the debtor…