340 B.R. 93 (2006) In re Gerald Lenard GREENE, Debtor. Ricky J. Johnson and Brenda J. Johnson, Plaintiffs, v. Gerald Lenard Greene, Defendant. Bankruptcy No. 3:04 BK 11296. Adversary No. 3:05-ap-00048. United States Bankruptcy Court, M.D. Florida, Jacksonville Division. February 6, 2006. *94 *95 Mark D. Loerzel, for Plaintiff. Richard A. Perry, for Defendant. FINDINGS OF FACT AND CONCLUSIONS OF LAW JERRY A. FUNK, Bankruptcy Judge. On November 8, 2004 Gerald Lenard Greene ("Defendant") filed for C..