207 B.R. 289 (1997) In re Donna Kay SMITH, a/k/a D.K. Smith, p/k/a Donna K. Smith, Debtor. Donna Kay SMITH, a/k/a D.K. Smith, p/k/a Donna K. Smith, Plaintiff, v. William Franklin EDWARDS, Defendant. Bankruptcy No. 96-9571-8P7, Adv. No. 96-954. United States Bankruptcy Court, M.D. Florida, Tampa Division. March 19, 1997. *290 Guillermo A. Ruiz, St. Petersburg, FL, for Plaintiff. Dennis J. LeVine, Tampa, FL, for Defendant. FINDINGS OF FACT, CONCLUSIONS OF LAW, MEMORANDUM OPINION ALEXANDER L. PASKAY..