In re: Honor M. Friesner, No. 09-8021 (6th Cir. 2009)

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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. In re: HONOR FRIESNER, Debtor. _____________________________________ WILLIAM TODD DROWN, TRUSTEE, Appellant, v. CITIFINANCIAL, INC., Appellee. ______________________________________ ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) No. 09-8020 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. -2-

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