FINDINGS AND CONCLUSIONS
JOSEPH A. GASSEN, Bankruptcy Judge.
Plaintiff filed a timely Complaint to determine the dischargeability of a debt owing to it pursuant to 11 U.S.C. § 523(a)(2)(A). Plaintiff claimed that the Defendant obtained money by false pretenses or false representation by charging purchases on a VISA card and a Master-Card issued to him by the Plaintiff when the Defendant had no ability or intention of repaying the Plaintiff.
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