MEMORANDUM
ERIC L. FRANK, Bankruptcy Judge.
I. INTRODUCTION
Gwendolyn L. Jackson ("the Debtor") filed a voluntary bankruptcy petition under chapter 7 of the Bankruptcy Code on May 12, 2009. The plaintiff, Patricia R. Gray ("Gray" or "the Plaintiff"), commenced the above adversary proceeding by filing a complaint ("the Complaint") on August 3, 2009. Gray seeks a determination that the debt owed to her by the Debtor is non-dischargeable under...
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