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IN RE GALLO

Bankruptcy No. 96-20690, Adversary No. 96-2220.

208 B.R. 756 (1997)

In re Michael A. GALLO, Jr., Debtor. SANFORD INSTITUTION FOR SAVINGS, Plaintiff, v. Michael A. GALLO, Defendant.

United States Bankruptcy Court, D. Maine.

May 21, 1997.

Attorney(s) appearing for the Case

Thomas C. Bradley, Petruccelli & Martin, Portland, ME, for plaintiff.

James F. Molleur, Woodman & Edmands, Biddeford, ME, for defendant.

MEMORANDUM OF DECISION

JAMES A. GOODMAN, Chief Judge.

This matter is before the Court on Sanford Institution for Savings's ("SIS") complaint to determine dischargeability of a debt pursuant to 11 U.S.C. § 523(a)(2)(A).1 For the reasons stated below, this Court finds the debt to be dischargeable.

I. FINDINGS OF FACT

In December 1989, Michael Gallo ("Debtor") requested a loan from SIS in the form of...

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