United States Bankruptcy Court, D. Idaho July 10, 2007, 06-01434 (In Re Kelvie)

MEMORANDUM OF DECISION

TERRY MYERS, Chief Judge.

INTRODUCTION

William and Pollyanna Kelvie (“Debtors”) filed their chapter 7 petition for relief on November 10, 2006. Doc. No. 1. The provisions of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (“BAPCPA”), Pub.L. 109-8, 119 Stat. 23 (2005), apply.