DISCLAIMER:  The following unofficial case summaries are prepared by the clerk's office
                        as a courtesy to the reader. They are not part of the opinion of the court.

046035P.pdf   11/29/2004  Donald E. Waring  v.  David M. Austin
   U.S. Court of Appeals Case No:  04-6035
   Western District of Missouri   
   Bankruptcy Appellate Panel. Bankruptcy court erred in finding that 
   creditor justifiably relied on debtor's failure to disclose the existence 
   of a lien, as the creditor received information that a lien did exist and 
   he was not justified in disregarding this information. 
   [PUBLISHED] [Schermer, Author, with Kressel, Chief Judge, and 
   Mahoney, Bankruptcy Judge]