FINDINGS OF FACT, CONCLUSIONS OF LAW, AND FINAL DECREE AND JUDGMENT DENYING THE DISCHARGES IN BANKRUPTCY OF THE DEFENDANTS TITUS AND HOY
DENNIS J. STEWART, Bankruptcy Judge.
In Farmers and Merchants Bank v. John N. Titus and Helen L. Titus, Adversary Action No. 84-0362-SJ, the complaint for denial of discharge was filed on August 16, 1984, and contained the following material allegations:
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