ELECTRONIC CITATION:

File Name: 09b0011p.06

BANKRUPTCY APPELLATE PANEL OF THE SIXTH CIRCUIT

In re: JOHN E. ROBERTS ) JUDY K. ROBERTS, ) ) Debtors. ) _____________________________________ ) ) CLYDE HARDESTY, TRUSTEE, ) No. 09-8020 ) Appellant, ) ) v. ) ) CITIFINANCIAL, INC., ) ) Appellee. ) ) ) In re: HONOR FRIESNER, ) ) Debtor. ) No. 09-8021 _____________________________________ ) ) WILLIAM TODD DROWN, TRUSTEE, ) ) Appellant, ) ) v. ) ) CITIFINANCIAL, INC., ) ) Appellee. ) ) ______________________________________ )

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.

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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),

(Bankr. S.D. Ohio 2009), and incorporated in In re Friesner.

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