FINDINGS OF FACT AND MEMORANDUM
CHARLES J. MARRO, Bankruptcy Judge.
This is an adversary proceeding to determine dischargeability of debt. It is predicated on § 523(a)(2) of the Bankruptcy Code which makes non-dischargeable the debt of an individual debtor for obtaining money, property, services or an extension, renewal or refinance of credit, by false pretenses, false representation or actual fraud other than a statement respecting the debtor's or...
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