224 F.3d 1193 (10th Cir. 2000) IN RE: JAN BECKY MONTGOMERY; DANETTE DELLA WOOD, ALSO KNOWN AS DEEDEE ANDERSON; ROBERT OWEN SPARKS; KELLEY RENEE SPARKS, FORMERLY KNOWN AS KELLEY RENEE SNEED; AND LOLITA MARIE JONES, DEBTORS,DARCY D. WILLIAMSON, TRUSTEE FOR THE BANKRUPTCY ESTATE OF LOLITA M. JONES, PLAINTIFF-APPELLEE,ROBERT L. BAER, CHAPTER 7 PANEL TRUSTEE, APPELLEE,v.LOLITA […]