Case Name: In the Matter of: Scott P. HOLCOMB, Debtor. Scott P. Holcomb, doing business as Holcomb Enterprises, Appellant, v. New Castle Financial Group, Inc., Appellee
Court: United States Court of Appeals for the Ninth Circuit
Jurisdiction: United States
Decision Date: 2010-04-14
Citations: 375 F. App'x 775
Docket Number: No. 07-56630
Parties: In the Matter of: Scott P. HOLCOMB, Debtor. Scott P. Holcomb, doing business as Holcomb Enterprises, Appellant, v. New Castle Financial Group, Inc., Appellee.
Judges: Before: FERNANDEZ, SILVERMAN, and GRABER, Circuit Judges.
Reporter: West's Bankruptcy Reporter
Volume: 435
Pages: 775–776

Head Matter:
In the Matter of: Scott P. HOLCOMB, Debtor. Scott P. Holcomb, doing business as Holcomb Enterprises, Appellant, v. New Castle Financial Group, Inc., Appellee.
No. 07-56630.
United States Court of Appeals, Ninth Circuit.
Submitted April 6, 2010.
Filed April 14, 2010.
Randall S. Henderson, Esquire, Pasadena, CA, for Appellant.
Scott P. Holcomb, Doing Business • as Holcomb Enterprises, pro se.
John J. Gulino, Esquire, Anaheim Hills, CA, for Appellee.
Before: FERNANDEZ, SILVERMAN, and GRABER, Circuit Judges.
The panel unanimously finds this case suitable for decision without oral argument. Fed. R.App. P. 34(a)(2).

Opinion:
MEMORANDUM
Scott P. Holcomb appeals the district court's order affirming the bankruptcy court's decision that Holcomb was not entitled to discharge of his debt to New Castle Financial Group, Inc. See 11 U.S.C. § 523(a)(2)(B). We affirm.
(1) Holcomb first asserts that the bankruptcy court erred when it considered evidence that went to issues which were not properly before it because they were not covered by the Pretrial Order. Pretrial orders do control the course of proceedings, but they are not given a crabbed interpretation. The evidence in question was actually listed in the Pretrial Order, was admissible on the issues of reasonable reliance, intent, and credibility, and did not result in improper prejudice to Holcomb. The bankruptcy court did not err.
(2) Holcomb then asserts that the evidence was insufficient to satisfy New Castle's burden to show by a preponderance of the evidence that he was not entitled to his discharge. That, he says, is because the elements of 11 U.S.C. § 523(a)(2)(B) were not shown. He claims that the bankruptcy court's factual determinations to the contrary were clearly erroneous. See Greene v. Savage (In re Greene), 583 F.3d 614, 618 (9th Cir.2009); Cooper v. Allustiarte (In re Allustiarte), 786 F.2d 910, 917 (9th Cir.1986). We disagree.
On this record, the evidence was sufficient to support the findings that Holcomb tendered a written financial statement to New Castle, respecting his financial condition; that the statement was materially false; that under all of the circumstances (including his failure to mention his just filed bankruptcy petition) his intent was to deceive New Castle; and that New Castle reasonably relied upon that statement when it advanced Holcomb credit. As to the latter element, we note that while New Castle could undoubtedly have been more wary and done more investigation, Holcomb clearly knew that the information regarding his financial condition was important to New Castle, and it was not at all obvious that Holcomb was in great financial difficulty.
AFFIRMED.
This disposition is not appropriate for publication and is not precedent except as provided by 9th Cir. R. 36-3.
. See El-Hakem v. BJY Inc., 415 F.3d 1068, 1077 (9th Cir.2005).
. See First Card v. Hunt (In re Hunt), 238 F.3d 1098, 1101-02 (9th Cir.2001).
. See Candland v. Ins. Co. of N. Am. (In re Candland), 90 F.3d 1466, 1469 (9th Cir.1996); La Trattoria, Inc. v. Lansford (In re Lansford), 822 F.2d 902, 904 (9th Cir.1987).
. See In re Candland, 90 F.3d at 1469; In re Lansford, 822 F.2d at 904.
. 11 U.S.C. § 523(a)(2)(B).
. Id. § 523(a)(2)(B)(ii).
. Id. § 523(a)(2)(B)(i).
. See Khalil v. Developers Sur. & Indem. Co. (In re Khalil), 578 F.3d 1167, 1169 (9th Cir.2009); Cowen v. Kennedy (In re Kennedy), 108 F.3d 1015, 1018 (9th Cir.1997); Pub. Fin. Corp. of Redlands v. Taylor (In re Taylor), 514 F.2d 1370, 1373-74 (9th Cir.1975).
. The totality of the circumstances supports that determination. See In re Candland, 90 F.3d at 1471; see also Cashco Fin. Servs., Inc. v. McGee (In re McGee), 359 B.R. 764, 774 (9th Cir. B.A.P. 2006).
. See In re Lansford, 822 F.2d at 904.
. In fact, there were no real difficulties with a prior transaction. Cf. Kentile Floors, Inc. v. Winham, 440 F.2d 1128, 1131-32 (9th Cir.1971) (more investigation needed when creditor had a great deal of information suggesting debtor distress).