OPINION
DAVID W. HOUSTON, III, Bankruptcy Judge.
On consideration before the court is the complaint filed by the plaintiff, AT & T Universal Card Services (AT & T), seeking a determination of the dischargeability of a certain indebtedness owed by the debtors/defendants, Anthony C. McLeroy and Sheila K. McLeroy; answer having been filed by the defendants; on proof in open court; and the court, having heard and considered same, hereby finds...
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