MEMORANDUM OPINION
THOMAS M. TWARDOWSKI, Bankruptcy Judge.
In this adversary proceeding, the plaintiff has filed, pursuant to section 523(a)(2)(A) and (B) of the Bankruptcy Code, 11 U.S.C. § 523(a)(2)(A) and (B), a complaint objecting to the discharge of the debtors' joint debt to the plaintiff in the amount of $80,000.00. For the reasons hereinafter given, we find that the debt is nondischargeable as to Francesco Scardino, but is dischargeable as to...
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