487 F.3d 353 In re Thomas Francis BARRETT, Jr., Debtor.Thomas Francis Barrett, Jr., Plaintiff-Appellee,v.Educational Credit Management Corporation, Defendant-Appellant. No. 06-3519. United States Court of Appeals, Sixth Circuit. Argued: April 20, 2007. Decided and Filed: June 8, 2007. ARGUED: Daniel S. Fisher, St. Paul, Minnesota, for Appellant. Robert A. Ciotola, Canfield, Ohio, for Appellee. ON BRIEF: […]