Bhogal

I. Introduction

Plaintiffs Crossroad Exchange, LLC (“Crossroad”), Equity Stock Corporation (“Equity”), and Niki-Alexander Shetty (“Shetty,” and together with Crossroad and Equity, the “Plaintiffs”) seek a judgment denying the discharge of Debtor Bhavneet K. Bhogal (the “Debtor”) pursuant to § 727(a)(2)(A) and § 727(a)(4)(A). Trial was conducted on May 22, 2023.1 Plaintiffs and the Debtor filed closing briefs on July 28, 2023.2 This Memorandum of Decision constitutes the Court’s findings of fact and conclusions of law pursuant to Civil Rule 52,3 made applicable to these proceedings by Bankruptcy Rule 7052.

1 A transcript of the trial proceedings is available as docket entry 75 and is cited as “Tr.” 2 See Adv. Doc. No. 76 (Plaintiffs’ closing brief) and Adv. Doc. No. 77 (Debtor’s closing brief). 3 To the extent any of the findings of fact set forth in Section II, below, should more appropriately be construed as conclusions of law, they shall be deemed as such. To the extent For the reasons set forth below, the Court finds that Plaintiffs have failed to establish that they are entitled to a judgment denying the Debtor’s discharge. The Court will enter judgment in favor of the…