This is a core proceeding pursuant to 28 U.S.C. §§ 1, and Local Rule 83.11 of the United States District Court for the Middle District of North Carolina. The Court has jurisdiction over the subject matter of this proceeding pursuant to 28 U.S.C. The Debtor responded with an Answer filed on October 26, 2010. On August 31, 2010, the Plaintiff filed a Complaint objecting to the Debtor's discharge pursuant to 11 U.S.C. The Debtor's § 341 meeting was conducted on July 16, 2010. The debt to the Credit Union was not listed as contingent or disputed. In the sworn bankruptcy schedules, the Debtor stated that he owed the Credit Union on a business debt for an unknown amount. Ferguson was appointed as Chapter 7 Trustee (the "Trustee"). The Debtor filed a voluntary petition under Chapter 7 of the United States Bankruptcy Code on J(the "Petition Date"), and Edwin H. After considering the pleadings, evidence, and arguments of counsel, this Court makes the following findings of fact and conclusions of law pursuant to Rule 7052 of the Federal Rules of Bankruptcy Procedure: PROCEDURAL BACKGROUND AND JURISDICTION James Vaughan appeared on behalf of the Plaintiff and the Debtor appeared pro se. This adversary proceeding came on before the Court for trial in Winston-Salem, North Carolina on Januon the Winston-Salem City Employees' Federal Credit Union's ("Plaintiff") Complaint asserting claims against the Debtor pursuant to 11 U.S.C. UNITED STATES BANKRUPTCY COURT MIDDLE DISTRICT OF NORTH CAROLINA WINSTON-SALEM DIVISION Winston-Salem City Employee Federal Credit Union Plaintiff,
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