United States Bankruptcy Court, N.D. Ohio March 22, 2016, Case No. 12-31039; Adv. Pro. No. 15-3015 (Bahnsen v. Discover Financial Services, Inc. (In re Bahnsen))

MEMORANDUM OF DECISION AND ORDER REGARDING CROSS-MOTIONS FOR SUMMARY JUDGMENT

John P. Gustafson, United States Bankruptcy Judge

Plaintiff Brenda S. Bahnsen (“Mrs. Bahnsen” or “Debtor”) is the debtor in the underlying Chapter 7 case, and her co-plaintiff, James Bahnsen (“Mr. Bahnsen”), is her husband, who was not a debtor in the underlying Chapter 7 case. On February 4, 2015, Mrs. and Mr.