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IN RE KEITH

No. 11-12535, A.P. No. 11-1248.

In re JOSEPH and CAROLYN KEITH, Debtor(s). EXCHANGE BANK, Plaintiff(s), v. JOSEPH and CAROLYN KEITH, Defendant(s).

United States Bankruptcy Court, N.D. California.

November 26, 2012.

Memorandum After Trial

ALAN JAROSLOVSKY, Bankruptcy Judge.

I. Introduction

Until the real estate market collapsed, both plaintiff Exchange Bank and defendant Joseph Keith were deeply involved in local real estate, Keith as a developer and builder and the Bank as a financier of real estate projects. Keith and his wife had guaranteed numerous loans made by the Bank on various projects over their long relationship. As of the end of 2007, the Keiths...

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