Source: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-ca10-89-02161/USCOURTS-ca10-89-02161-0/pdf.json

Nature of Suit Code: 422
Nature of Suit: Bankruptcy Appeals Rule 28 USC 158
Cause of Action: 

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UNITED STATES COURT OF APPEALS 

TENTH CIRCUIT 

FILED . Unittd States Court of Appeals 

T'~_, ,h :~fr·--pf.: 

STEVE MAZER, ) 

) 

Trustee-Appellee. ) 

) 

) 

) 

NEW MEXICO STUDENT LOAN GUARANTEE ) 

CORPORATION; REGENTS OF THE ) 

UNIVERSITY OF NEW MEXICO, ) 

) 

Plaintiff-Appellant, ) 

) 

V • ) 

} 

SHEILA MONKS, ) 

) 

Debtor-Appellee. ) 

JAN 2 - 1990 

ROBERT L I-IOECK.ER 

Clerk 

No. 89-2161 

(D.C. No. 88-1511-M) 

(District of New Mexico) 

ORDER AND JUDGMENT* 

Bet 0 re MCKAY, ANDERSON, and BALDOCK, Circuit Judges. 

Atter examining the briefs and appellate record, this panel 

has determined unanimously that oral argument would not materially 

assist the determination of this appeal. See Fed. R. App. P. 

- 34(a); 10th Cir. R. 34.1.9. The case · is thereeo~e ordered submitted without oral argument. 

*This order and judgment has no precedential value and shall not 

be cited, or used by any court within the Tenth Circuit, except 

for purposes of establishing the doctrines of the law of the case, 

res judic.ata, or collateral estoppel . . 10th Cir. R. 36.3. 

Appellate Case: 89-2161 Document: 01019957766 Date Filed: 01/02/1990 Page: 1 
This case involves a Chapter 13 bankrup t c y proceeding in 

which the bankruptcy court approved the bankrupt's plan which 

included payments to creditors over the maximum period permitted 

under the statute. The bankruptcy court heard extensive evidence 

and made specific findings of fact and conclusions of law. It 

r. -.:: und the plan was filed in good faith and expressly considered 

c:acti of the er i ter ia we indicated to be relevant in a good-faith 

determination in ~lygare v. Boulden, 709 F.2d 1344 (10th Cir. 

1·985). The trial court affirmed the bankruptcy court's determination. Creditors here challenge solely the good-faith determinat~ : n made by the bankruptcy court and the trial court . We cannot 

fi1:J eithei court's determinations clearly erroneous if those 

f 1 :1'.1 i ngs are "plausible in light of the record viewed in its 

entirety" even though we may be convinced that we would have 

r eached a different result had we been the triers of the fact. 

Anderson~- City of Bessemer, 470 U. S. 564, 573-74 (1985). 

While appellants demonstrate that the bankruptcy court could 

have reached a -different conclusion, they have fallen far short of 

demonstrating that the bankruptcy court's findings and conclusions 

are not plausible on this record. 

The bankruptcy court specifically addressecl each of the 

factors we set out in Flygare. No one factor is determinative, 

and the trial court's balancing of each of the factors, individ-

_ua~ly and collectively, under the specific circumstance of each 

-2-

Appellate Case: 89-2161 Document: 01019957766 Date Filed: 01/02/1990 Page: 2 
~ase may be disturbed only if clearly erroneous. The- record supports the bankruptcy court's determination of these factors, 

including its determination that this Chapter 13 filing was in 

good faith, the only factor attacked on appeal. 

AF FIRMED. The mandate shall issue forthwith. 

-3-

Entered for the Court 

Monroe G. McKay 

Circuit Judge 

Appellate Case: 89-2161 Document: 01019957766 Date Filed: 01/02/1990 Page: 3