In the Matter of: Timothy Gerard O’HEARN, Debtor, Timothy Gerard O’Hearn, Plaintiff-Appellee, v. Educational Credit Management Corporation, Defendant-Appellant. No. 02-3930.United States Court of Appeals, Seventh Circuit.Argued April 22, 2003. Decided August 8, 2003. Appeal from the District Court, Charles N. Clevert, Jr., J. Page 560 [EDITORS’ NOTE: THIS PAGE CONTAINS HEADNOTES. HEADNOTES ARE NOT AN […]