Howard

NOT FOR PUBLICATION FILED

UNITED STATES COURT OF APPEALS MAR 11 2025

MOLLY C. DWYER, CLERK

U.S. COURT OF APPEALS

FOR THE NINTH CIRCUIT

In re: VINCENT DWYNE HOWARD Nos. 24-2292 & 24-3833 BAP No. Debtor. 23-1072 ________________________________

VINCENT DWYNE HOWARD, MEMORANDUM*

Appellant.

v.

RAY HODGE & ASSOCIATES, LLC,

Appellee. ________________________________

RAY HODGE & ASSOCIATES, LLC,

Appellant.

v.

VINCENT DWYNE HOWARD,

Appellee.

Appeals from the Ninth Circuit

* This disposition is not appropriate for publication and is not precedent except as provided by Ninth Circuit Rule 36-3. Bankruptcy Appellate Panel Scott H. Gan, Frederick Philip Corbit, and Gary A. Spraker, Bankruptcy Judges, Presiding

Submitted March 7, 2025** Pasadena, California

Before: SANCHEZ and H.A. THOMAS, Circuit Judges, and DONATO, District Judge.***

No. 24-2292

Defendant Debtor Vincent Howard appeals the judgment of the Bankruptcy

Appellate Panel (BAP) affirming the nondischargeability judgment of the

bankruptcy court in favor of Plaintiff Ray Hodge & Associates,…