272 B.R. 186 In re Troy G. SPEER, Debtor. Troy G. Speer, Plaintiff, v. Educational Credit Management Corporation, Defendant. Bankruptcy No. 00-12032-FM. Adversary No. 00-1139-FM.United States Bankruptcy Court, W.D. Texas, Austin Division September 6, 2001. West Page 187 Leslie M. Howe, Austin, TX, for plaintiff. Lisa C. Fancher, Austin, TX, for defendant. MEMORANDUM OPINION FRANK […]