ATLANTA - A panel of the 11th Circuit U.S. Court of Appeals on May 4 ruled that a bankruptcy court properly concluded that a debtor's obligation to certain creditors was dischargeable because the creditors failed to show that it was nondischargeable under the Bankruptcy Code (Larry Gregory, et al. v. Ricky Leonard Beard $(In Re: Ricky Leonard Beard$), No. 11-14879, Chapter 7, 11th Cir.; 2012 U.S. App. LEXIS 9154).