Melikyan

MEMORANDUM **

Sona Chukhian Melikyan (“Chukhian”), a Chapter 7 debtor, appeals the judgment of the United States Bankruptcy Appellate Panel of the Ninth Circuit (“BAP”) in favor of creditor Naira N. Khnkoyan (“Khnkoyan”). The BAP affirmed the U.S. Bankruptcy Court’s decision finding Chukhian’s debt nondischargeable under *633 11 U.S.C. §§ 523 (a)(2)(A) and 523(a)(3) and denying Chukhian’s discharge under 11 U.S.C. § 727 (a)(4). It also remanded the issue of prejudgment interest to the bankruptcy court, for either a recalculation of the proper rate or a reasoned justification for awarding interest at the 10 percent rate. Reviewing the decision of the BAP de novo, Price v. U.S. Trustee (In re Price), 353 F.3d 1135, 1138 (9th Cir.2004), and conducting an independent review of the bankruptcy court’s rulings, Miller v. Cardinale (In re DeVille), 361 F.3d 539, 547 (9th Cir.2004), we affirm.

Chukhian raises fourteen claims of error, which we consider, as follows:

1. Khnkoyan’s complaint under §§ 523 and 727 was timely. Chukhian waived the right to object to the bankruptcy court’s ruling that Khnkoyan’s complaint was timely filed by failing to raise the issue at any time prior to or at…