Northland National Bank v. David Lindsey, No. 11-1538 (8th Cir. 2011)

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Court Description: Civil case - Bankruptcy. Bankruptcy Appellate Panel decision affirming bankruptcy court's decision denying Northland's objections to debtor's discharge affirmed without comment.

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United States Court of Appeals FOR THE EIGHTH CIRCUIT ___________ No. 11-1538 ___________ In re: David P. Lindsey, Debtor, --------------------------------Northland National Bank, Appellant, v. David P. Lindsey, Appellee. * * * * * * * * * Appeal from the United States * Bankruptcy Appellate Panel * for the Eighth Circuit. * * [UNPUBLISHED] * ___________ Submitted: September 26, 2011 Filed: September 29, 2011 ___________ Before MURPHY, ARNOLD, and BENTON, Circuit Judges. ___________ PER CURIAM. In this adversary proceeding brought pursuant to 11 U.S.C. § 523(a)(2)(B), Northland National Bank (Northland) appeals from the decision of the Bankruptcy Appellate Panel (BAP) affirming the bankruptcy court s1 judgment denying 1 The Honorable Jerry W. Venters, United States Bankruptcy Judge for the Western District of Missouri. Northland s objection to debtor David Lindsey s discharge in bankruptcy. Having reviewed the bankruptcy court s factual findings for clear error and its conclusions of law de novo, we agree with the BAP that the bankruptcy court s findings were supported by the record and were not clearly erroneous. See In re Vote, 276 F.3d 1024, 1026 (8th Cir. 2002) (standards of review); see also 11 U.S.C. § 523(a)(2)(B) (discharge under provisions of bankruptcy code does not discharge individual debtor from debt to extent obtained by use of statement in writing that is (i) materially false; (ii) respecting debtor s financial condition; (iii) on which creditor to whom debtor is liable reasonably relied; and (iv) that debtor caused to be made or published with intent to deceive); First Nat l Bank of Olathe v. Pontow, 111 F.3d 604, 608 (8th Cir. 1997) (to bar discharge under § 523(a)(2)(B), creditor must prove each statutory element by preponderance of evidence). Accordingly, we affirm. See 8th Cir. R. 47B. ______________________________ -2-

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