Guaranty Bank & Trust Co. v. Sanford (In Re Sanford)

MEMORANDUM OPINION

DOUGLAS D. DODD, Bankruptcy Judge.

Guaranty Bank & Trust Co. (“Guaranty”) filed a complaint against debtor Chris Levert Sanford (“Sanford”) alleging that Sanford’s debt to Guaranty is not dis-chargeable under 11 U.S.C. §§ 523(a)(2), (3), (4) and (6). The bank also objected to Sanford’s discharge under 11 U.S.C. §§ 727(a)(2), (3) and (6). 1 This memorandum opinion explains why Sanford’s debts to Guaranty are nondischargeable under 11 U.S.C. § 523(a)(6) and Sanford’s discharge is denied under 11 U.S.C. §§ 727(a)(2)(A), (a)(3), and (a)(6)(A).

FACTS

For several years before…