MEMORANDUM AND DECISION
ALAN H.W. SHIFF, Bankruptcy Judge.
The plaintiffs in both of the above-captioned adversary proceedings, which were tried together, seek exceptions to the debtor's discharge based on various allegations of fraud involving the debtor's home construction business.
I.
BACKGROUND
On February 13, 1980, Timothy J. Ballard (debtor) filed a voluntary petition under Chapter 7 of the Bankruptcy Code and scheduled...
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