MEMORANDUM AND ORDER
WOODWARD, Senior District Judge.
This matter comes before the court on Muleshoe State Bank's appeal of the bankruptcy court's order that only a portion of the debtor's obligation to the Bank is nondischargeable under 11 U.S.C. § 523(a)(2)(A). Neither party questions the bankruptcy court's factual finding that the debtor obtained an extension, renewal or refinancing of credit by false representation, which permits the creditor to...
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