In re: Jesus Edgar Montano

FILED NOV 01 2013 1 SUSAN M. SPRAUL, CLERK U.S. BKCY. APP. PANEL 2 OF THE NINTH CIRCUIT 3 UNITED STATES BANKRUPTCY APPELLATE PANEL 4 OF THE NINTH CIRCUIT 5 In re: ) BAP No. NC-12-1579-PaDJu ) 6 JESUS EDGAR MONTANO, ) Bk. No. 10-71788 ) 7 Debtor. ) Adv. No. 11-04008 ___________________________________) 8 ) ) 9 HERITAGE PACIFIC FINANCIAL, LLC, ) ) 10 Appellant, ) ) 11 v. ) O P I N I O N ) 12 JESUS EDGAR MONTANO, ) ) 13 Appellee. ) ___________________________________) 14 15 Argued and Submitted on September 20, 2013 at San Francisco, California 16 Filed - November 1, 2013 17 Appeal from the…