In re: Honor M. Friesner

Filing 920091109

Opinion

ELECTRONIC CITATION: 2009 FED App. 0011P (6th Cir.) File Name: 09b0011p.06

BANKRUPTCY APPELLATE PANEL OF THE SIXTH CIRCUIT In re: JOHN E. ROBERTS JUDY K. ROBERTS, Debtors. _____________________________________ CLYDE HARDESTY, TRUSTEE, Appellant, v. CITIFINANCIAL, INC., Appellee. ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) )

No. 09-8020

In re: HONOR FRIESNER, Debtor. _____________________________________ WILLIAM TODD DROWN, TRUSTEE, Appellant, v. CITIFINANCIAL, INC., Appellee. ______________________________________

No. 09-8021

Appeal from the United States Bankruptcy Court for the Southern District of Ohio Case No. 08-51945; Adversary Case No. 08-2171 Case No. 08-54576; Adversary Case No. 08-2207

Argued: November 4, 2009 Decided and Filed: November 9, 2009 Before: FULTON, HARRIS, and RHODES, Bankruptcy Appellate Panel Judges. ____________________ COUNSEL ARGUED: William Todd Drown, FOLLAND & DROWN LPA, Mount Vernon, Ohio, for Appellants. Amelia A. Bower, PLUNKETT COONEY, Columbus, Ohio, for Appellee. ON BRIEF: William Todd Drown, FOLLAND & DROWN LPA, Mount Vernon, Ohio, for Appellants. Amelia A. Bower, PLUNKETT COONEY, Columbus, Ohio, for Appellee. ____________________ OPINION ____________________ STEVEN RHODES, Bankruptcy Appellate Panel Judge. After reviewing the record and the parties' briefs, and after considering their oral arguments, the Panel determines that the bankruptcy court's findings of fact are not clearly erroneous and its conclusions of law are correct. We therefore affirm the bankruptcy court's decision for the reasons stated by that court in its well-written opinion entered in Hardesty v. Citifinancial, Inc. (In re Roberts), 402 B.R. 808 (Bankr. S.D. Ohio 2009), and incorporated in In re Friesner.

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