Another loserfor AT&T

[FoolAndHisMoney]

Anyone here have an AT&T U card? Do they still exist? I read several other cases before and they lost everyone. They once complained that a debtor with a gambling problem took out a cash advance to gamble and they
thought he had no intention of paying. The judge felt if AT&T was so concerned then they would NOT allow cash advances at casinos. Judge sided with the debtor in that one too.

I tell you some of these idiot credit card companies act like bkfiler looks. LOL VERY FUGLY!

No wonder why they lost their phone monopoly. Too stupid I guess.

http://www.iasb.uscourts.gov/iasb_ftp/decisions/h00326.pdf

[chibroke]

They still exit, one of the cards that I had and discharged was from AT&T U.

[bkfiler]

court said:

"First, the court finds Theresa Faust to be a credible witness. It accepts her statement, at least subjectively, that she intended to pay the charges that she made. Second, the factors that weigh in favor of the court's findings include: an attorney had not been contacted concerning filing bankruptcy before the charges were made; the credit limit was not exceeded on this account or any of the Fausts' other accounts; the purchases were for necessities not luxuries (contrary to AT&T's claim of a sybaritic lifestyle, the Fausts apparently lived quite modestly with their four children in a $40,000.00 home and drove a 1990 Plymouth Grand Voyager); there was no sharp change in the debtor's buying habits shortly before bankruptcy was filed; there are not a significant number of charges nor excessive charges in one day; and importantly there is no evidence that the debtor is financially sophisticated. It is true that the debtor is a housewife and not employed in the conventional sense of the word. However, that was her situation when the account was approved. AT&T has not contended that the debtor falsely represented her situation in acquiring the card. The court assumes that this is a case where the household was considered in determining credit worthiness."

this is a very important part of what i keep seeing. the court must find you credible. they way it does that, since it does not know you, is for them to never see you change a fact on your application after they complain so as to make it look like a coverup and never catch you in a lie.

always tell the truth on your petitions*. the courts and laws still work in your favor for bk in general.




*unless it makes you look really really bad