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IN RE NORTON

Bankruptcy No. 79-00193, Adv. Proceeding No. 79-0006.

11 B.R. 141 (1980)

In re Arnold Jay NORTON, Jr., and Linda Ann Norton, Debtors. RUTLAND SAVINGS BANK, Plaintiff, v. Arnold Jay NORTON, Jr., and Linda Ann Norton, Defendants.

United States Bankruptcy Court, D. Vermont.

July 22, 1980.

Attorney(s) appearing for the Case

E. Patrick Burke, Rutland, Vt. of Ryan, Smith & Carbine, Ltd., Rutland, Vt., for plaintiff.

Cranston H. Howe, Fair Haven, Vt., for debtors Arnold J. Norton, Jr. and Linda Ann Norton.

FINDINGS OF FACT, MEMORANDUM AND CONCLUSIONS

CHARLES J. MARRO, Bankruptcy Judge.

This is an adversary proceeding to determine dischargeability of debt. It is predicated on § 523(a)(2) under which a discharge does not discharge an individual debtor from any debt —

"for obtaining money, property, services, or an extension, renewal, or refinance of credit, by — (A) false pretenses, a false representation, or actual fraud...

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