United States Fifth Circuit

Under 11 USC 523(a)(2)(A), obtaining credit by false pretenses/representation, actual fraud, a debtor's "hopeless insolvency," or inability to pay at time of usage may support a finding that debtor did not intend to pay, but only if she knew she could not and therefore did not intend to make even the minimum monthly payment.

Appellate Information

• Decided 03/23/2001
• Published 03/23/2001

Judges

• RHESA HAWKINS BARKSDALE, Circuit Judge:, Before JOLLY, HIGGINBOTHAM, DAVIS, JONES, SMITH, DUHÉ, WIENER, BARKSDALE, EMILIO M. GARZA, DeMOSS, BENAVIDES, STEWART, PARKER, and DENNIS, Circuit Judges.

Court

• United States Fifth Circuit

Counsel

• For Appellant:
  
• Philip David Anker (argued), Natacha D. Steimer, Wilmer, Cutler & Pickering, Washington, DC, J. Mark Franklin, III, Bennett, Lotterhos, Sulser & Wilson, Jackson, MS, Christopher R. Lipsett, Wilmer, Cutler & Pickering, New York City, for Appellant., John Rao, Boston, MA, James Thomas McMillen, Corpus Christi, TX, for National Ass'n of Consumer Bankruptcy Attorneys, Amicus Curiae.


• For Appellees:
  
• Michael B. McDermott,Ronald G. Peresich (argued), Kaara Lena Liskow, Page, Mannino, Peresich & McDermott, Biloxi, MS, for Appellee.