249 B.R. 748 In re Willie A. SMITH, and Essie F. Smith, Debtors. National Auto Finance Company, Plaintiff, v. Willie A. Smith, et al., Defendants. Bankruptcy No. 99-31044, Adversary No. 99-3641.United States Bankruptcy Court, S.D. Ohio, Western Division May 30, 2000. Richard D. Bringardner, Columbus, Ohio, for plaintiff. Katherine C. McGuire, Dayton, Ohio, for debtors. […]