(citing Mercantile Bank v. Hoyle (In re Hoyle), 183 B.R. 635, 638 (Bankr.D.Kan.1995); Bank One Columbus, N.A. v. McDonald (In re McDonald), 177 B.R. 212, 216-17 (Bankr.E.D.Pa.1994); Chase Manhattan Bank v. Weiss (In re Weiss), 139 B.R. 928 (Bankr.D.S.D.1992); Household Card Serv./Visa v. Vermillion (In re Vermillion), 136 B.R. 225, 226-27 (Bankr.W.D.Mo.1992)). 50 . Sears, Roebuck and Co. v. Hernandez (In re Hernandez), 208 A. 62 . Field v. Mans, — U.S. -, -, 116 S.Ct. 437, 444, 133 L.Ed.2d 351 (1995). See also Household Credit Serv., Inc. v. Walters (In re Walters), 208 B.R. 651, 653 (W.D.La.1997). 63 . Id. 64 . Id. (quoting, Restatement (Second) of Torts, § 541, Comment a (1976)). 65 . Id. 66 . Id. (quoting, Restatement (Second) of Tort In re Ward), 857 F.2d 1082, 1085 (6th Cir.1988) (<HOLDING>); Household Credit Serv., Inc. v. Walters (In
holding that at a minimum a credit check must be preformed before a credit card is issued in order to have any resulting debt declared nondischargeable holding the assumption of a credit card debt to be nondischargeable based on a waiver of alimony and a significant disparity of income holding that student debt declared nondischargeable remains subject to the automatic stay holding arbitration clause in credit card agreement unconscionable recognizing statutory credit