MEMORANDUM-DECISION, FINDINGS OF FACT, CONCLUSIONS OF LAW AND ORDER
LEON J. MARKETOS, Bankruptcy Judge.
The instant adversary proceeding filed by Key Bank of Central New York (hereinafter, the Bank) against Cathy B. Sarkin (hereinafter, the Debtor) requests the Court determine a debt owed the Bank by the Debtor nondischargeable. The gravamen of the Bank's position is that the Debtor obtained a credit card under false pretenses and with the intent to defraud...
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