MEMORANDUM OF DECISION
ANITA L. SHODEEN, Bankruptcy Judge.
COURSE OF PROCEEDING
On December 28, 2009, Shane Micheal Torres ("Torres" or "Defendant") filed a voluntary chapter 7 proceeding. On March 23, 2010, Bank Iowa Corporation ("Bank Iowa" or "Plaintiff") filed a timely adversary proceeding complaint objecting to dischargeability of debt pursuant to 11 U.S.C. sections 523(a)(2)(A), 523(a)(2)(B) and 523(a)(6). Trial was conducted...
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