157 B.R. 37 (1993) In re Arthur A. SMITH, Jr. and Carol Smith d/b/a Mountain Valley Car Wash, Debtors. The FIRST NATIONAL BANK OF BOSTON, Plaintiff, v. Arthur A. SMITH, Jr. and Carol A. Smith, Defendants. Bankruptcy No. 91-16018-9P7, Adv. No. 92-901. United States Bankruptcy Court, M.D. Florida. June 7, 1993. Jeffrey W. Leasure, Ft. Myers, FL, for plaintiff. Brian Levy, Cape Coral, FL, for defendants. FINDINGS OF FACT, CONCLUSIONS OF LAW, AND MEMORANDUM OPINION ALEXANDER L. PASKAY, Chief Judge. T..