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) In re: ) ) GREGORY W. KOSS, ) ) Debtor. ) ) ) ) JPMORGAN CHASE BANK, N.A., ) ) Plaintiff, ) ) v. ) ) ) GREGORY W. KOSS, ) ) Defendant. ) ) Chapter 7 Case No. 02-13666-HJB Adversary Proceeding No. 04-01036 MEMORANDUM OF DECISION Before this Court for determination is an adversary proceeding brought by JP Morgan Chase Bank, N.A. (the Plaintiff or JP Morgan ) against Gregory W. Koss (the Defendant or.

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