Findings Of Fact Frank M. Murphy, Respondent, on May 26, 1977, filed a voluntary petition of bankruptcy in the U.S. District Court for the Northern District of Florida and was discharged November 4, 1977. At the time of the filing of the Administrative Complaint Respondent's license had lapsed by reason of his failure to renew, but the license was subsequently reinstated and is now current. Since his discharge by the bankruptcy court Respondent has continued doing work under his general contractor's license and no complaints against him have been received by Petitioner. Respondent's creditors whose debts were discharged in the bankruptcy proceedings continue to do business with Respondent on a cash basis. The First City Bank in Gainesville, Florida has, since his discharge in bankruptcy, extended Respondent credit in the amount of $3,000 and the account is current in accordance with the terms of the loan. The billings of the accountant who has done Respondent's account work since his discharge are current. Delores J. Mathys loaned Respondent in excess of $10,000 prior to his charge in bankruptcy and has loaned him additional money subsequent to his discharge. She is currently negotiating with him for the construction of a new home. Keller Building Products has, since Respondent's discharge in bankruptcy, extended Respondent credit to the extent of $5,000 and this account is current. Other suppliers have extended Respondent credit since his discharge and his accounts with them are curent. Subcontractors who have done work on projects for which Respondent is general contractor since his discharge have been paid. Other customers for whom Respondent has done work since his discharge are satisfied with his work and will continue to employ him as their contractor. Exhibit 2, a financial statement dated April 25, 1978 shows Respondent to have a current net worth in excess of $85,000, some $78,000 of which consists of real property owned jointly with his wife. Respondent's reputation in the business community in which he utilizes his certification is good.
