Summary: The Goldens loaned their then friends, the Malones, $14,700.00.  The Goldens then filed bankruptcy, failing to disclose the existence of this loan as, either as an asset or otherwise.  While his own bankruptcy was still pending, Mr.  Golden commence collection attempts on this loan,  with the parties relationship souring dramatically, with allegations of "scandalous behavior" being traded between Mr.  Golden and Mr.  Malone, including alcohol and drug use, trips to "adult entertainment establishments", etc..  Eventually the Malones

Summary: The Debtor filed Chapter 13, during which Friedman’s Jewelers filed a Proof of Claim, asserting that it was secured in the amount of $300.00 and unsecured for the balance.  The Debtor subsequently converted to Chapter 7, then re-converted to Chapter 13, eventually confirming a plan treating Friedman’s as secured in the amount of $300.00. Friedman’s itself filed bankruptcy and its assets were liquidated, with the Debtor’s account being purchased by Merchant’s Acquisition Group, L.L.C.  (MAG).  MAG retained BRM Recovery Services to collect on this accou