MEMORANDUM OPINION
WILLIAM E. ANDERSON, Bankruptcy Judge.
This matter came upon the adversary proceeding filed by the Debtor, Christopher P. Banks ("Mr. Banks") against Sallie Mae Servicing Corp. ("Sallie Mae"). Educational Credit Management Corporation ("ECMC") was joined as a defendant. The Complaint seeks a declaratory judgment to determine the liability and dischargeability of a student loan debt. ECMC has filed a counterclaim seeking to determine...
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