96 Cal. Daily Op. Serv. 4486, 96 Daily Journal D.A.R. 7303 in Re Fred H. Arm, Debtor. Fred H. Arm v. A. Lindsay Morrison, M.D., Inc. Merlin L. Neff, M.D., Inc.

87 F.3d 1046 96 Cal. Daily Op. Serv. 4486 , 96 Daily Journal D.A.R. 7303 In re Fred H. ARM, Debtor. Fred H. ARM, Appellant, v. A. LINDSAY MORRISON, M.D., INC.; Merlin L. Neff, M.D., Inc., Appellees. No. 95-55004. United States Court of Appeals, Ninth Circuit. Argued and Submitted May 7, 1996. Decided June 21, 1996. Fred H. Arm, Los Angeles, California, in pro. per., for appellant. Richard S. Price, II, Fullerton, California, for appellees. Appeal from the Ninth Circuit Bankruptcy Appellate Panel Jones, Hagan, Volinn, Judges, Presiding. BAP No. CC-93-01763-VHJ. Before: GIBSON, * JOHN T. NOONAN, Jr., and THOMPSON, Circuit Judges. NOONAN, Circuit Judge: 1 Fred H. Arm appeals the judgment of the Bankruptcy Appellate Panel (the BAP) affirming the denial by the bankruptcy court under 11 U.S.C. § 523 (a)(2)(A) of the discharge of the debt owed by Arm to A. Lindsay Morrison, M.D., Inc. and Merlin L. Neff, M.D., Inc. We affirm the judgment of the BAP. FACTS 2 The following facts were found after trial by the bankruptcy court: 3 In June 1989, Arm, together with three others including James Halstead and Robert Cooper, entered into a scheme by which an entity known as La Jolla Fidelity…