In re: Michael J. OYLER, Debtor. Michael J. Oyler, Plaintiff-Appellee, v. Educational Credit Management Corporation, Defendant-Appellant. No. 03-4505.United States Court of Appeals, Sixth Circuit.Argued: December 3, 2004. Decided and Filed: February 3, 2005. Appeal from the United States Bankruptcy Court for the Northern District of Ohio, Russ Kendig, J. Page 383 [EDITORS’ NOTE: THIS PAGE […]