           United States Bankruptcy Appellate Panel
                        FOR THE EIGHTH CIRCUIT

                                  ______

                              No. 03-6044WA
                                  ______

In re:                                *
                                      *
Kim L. Nordin and Tracey A. Nordin, *
                                      *
      Debtors.                        *
                                      *
Carol Palmer,                         *
                                      *
      Creditor-Appellant,             *       Appeal from the United States
                                      *       Bankruptcy Court for the
            v.                        *       Western District of Arkansas
                                      *
Kim L. Nordin and Tracey A. Nordin, *
                                      *
      Debtors-Appellees.              *
                                   ______

                        Submitted: October 10, 2003
                          Filed: October 16, 2003
                                  ______

Before KRESSEL, Chief Judge, SCHERMER and DREHER, Bankruptcy Judges.
                                ______

KRESSEL, Chief Judge.
       Carol Palmer, appeals from an order of the bankruptcy court1 denying her
motion to extend the time to file a complaint to determine the dischargeability of a
debt.2 Because we conclude that the bankruptcy court did not err, we affirm.

                                 BACKGROUND3
      On January 27, 2003, the debtors filed a Chapter 7 case. Notice establishing
February 27, 2003 as the date for the meeting of creditors, and setting April 28, 2003
as the deadline to file a complaint objecting to the discharge of the debtor or to
determine the dischargeability of certain debts, was mailed. The date for the meeting
of creditors was later changed to March 20, 2003.

       At the March 20, 2003 meeting of creditors, the trustee continued the meeting
of creditors to April 17, 2003. On April 3, 2003, the bankruptcy court sent notice to
all creditors notifying them of the continued date for the meeting of creditors.

      On May 1, 2003, Palmer wrote a letter to the bankruptcy judge. In the letter,
Palmer claimed that she did not receive adequate notice regarding the original
deadline. The court treated this letter as a motion to extend the time to file
dischargeability complaints.




      1
       The Honorable Richard D. Taylor, United States Bankruptcy Judge for the
Eastern and Western Districts of Arkansas.

      2
       Palmer consistently refers to “objecting to discharge of debt.” It is clear from
her pleadings that what she wants is a determination that her debt is excepted from
discharge.
      3
        Both parties have included facts in their briefs and other submissions which
do not appear in the record. We limit our discussion to the facts that appear in the
record.
                                          2
       On July 1, 2003, a hearing on Palmer’s motion was held and on July 9, 2003,
the bankruptcy court entered an order denying Palmer’s motion. It is from that order
that Palmer appeals. Because we conclude that the bankruptcy court had no authority
to extend the time, we affirm.

                            STANDARD OF REVIEW
      Since the disposition of the motion is based solely on an interpretation of law,
we review the bankruptcy court’s decision de novo. Blackwell v. Lurie (In re Popkin
& Stern), 223 F.3d 764, 765 (8th Cir. 2000); Wendover Fin. Servs. v. Hervey (In re
Hervey), 252 B.R. 763, 765 (B.A.P. 8th Cir. 2000).

                                     DISCUSSION
       Of the nineteen exceptions to discharge in 11 U.S.C. § 523(a), all but four are
self effectuating. That is, most of the debts are excepted from discharge by operation
of § 523(a) and simply survive the discharge.4 However, a creditor who has a debt of
the kind described in subsections (2), (4), (6) or (15) of § 523 must file a complaint
and have the debt’s dischargeability determined by the bankruptcy court. That is
because 11 U.S.C. § 523(c)(1) provides:

             Except as provided in subsection (a)(3)(B) of this section,
             the debtor shall be discharged from a debt of a kind
             specified in paragraph (2), (4), (6), or (15) of subsection (a)
             of this section, unless, on request of the creditor to whom
             such debt is owed, and after notice and a hearing, the court
             determines such debt to be excepted from discharge under
             paragraph (2), (4), (6), or (15), as the case may be, of
             subsection (a) of this section.



      4
        Of course, frequently the parties disagree about whether a certain debt falls
within one of those exceptions, and a court will have to make a determination of the
debt’s dischargeability.
                                           3
       Rule 4007(c) of the Federal Rules of Bankruptcy Procedure provides that a
complaint to determine the dischargeability of a debt pursuant to 11 U.S.C. § 523(c),
“shall be filed not later than 60 days following the first date set for the meeting of
creditors.” Fed.R.Bankr.P. 4007(c). The rule further states: “On motion of a party in
interest, after hearing on notice, the court may for cause extend the time fixed under
this subdivision. The motion shall be filed before the time has expired.” Id. “Rule
4007 of the Federal Rules of Bankruptcy Procedure establish[es] time limits for filing
complaints...[to determine] the dischargeability of a debt. These rules are analogous
to statutes of limitations and are strictly construed.” In re Perkins, 271 B.R. at 611
(quoting KBHS Broadcasting Co., Inc. v. Sanders (In re Bozeman), 226 B.R. 627, 630
(B.A.P. 8th Cir. 1998)). Since Palmer’s motion was not filed before the deadline, the
bankruptcy court had no authority under the rules to grant an extension and properly
denied her motion.

       This result is enforced by Rule 9006(b) which deals with the court’s authority
to enlarge time. As a general proposition, the court can grant a request for an
enlargement of time made after the original time has expired if the movant can
demonstrate excusable neglect. Fed.R.Bankr.P. 9006(b)(1). However, that authority
is limited by subdivision (3) which provides: “The court may enlarge the time for
taking action under Rules 1006(b)(2), 1017(e), 3002(c), 4003(b), 4004(a), 4007(c),
8002, and 9033, only to the extent and under the conditions stated in those rules.”
Fed.R.Bankr.P. 9006(b)(3) (emphasis added).

      Palmer’s principal argument is that she had insufficient notice. The Bankruptcy
Code provides a remedy under such circumstances. 11 U.S.C. § 523(a)(3) provides
an exception to discharge for any debt:

             neither listed nor scheduled under section 521(1) of this
             title, with the name, if known to the debtor, of the creditor
             to whom such debt is owed, in time to permit-

                                          4
            (B) if such debt is of a kind specified in paragraph (2), (4),
            or (6) of this subsection, timely filing of a proof of claim
            and timely request for a determination of dischargeability
            of such debt under one of such paragraphs, unless such
            creditor had notice or actual knowledge of the case in time
            for such timely filing and request.

11 U.S.C. § 523(a)(3)(B). There is no deadline in the rules for the filing of a
complaint under § 523(a)(3).

                                CONCLUSION
      The order of the bankruptcy court is affirmed.

      A true copy.

            Attest:

                     CLERK, U.S. BANKRUPTCY APPELLATE
                     PANEL, EIGHTH CIRCUIT.




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