MEMORANDUM OPINION
Catharine R. Aron, Bankruptcy Judge.
This adversary proceeding came on before the Court for trial in Winston-Salem, North Carolina on January 10, 2012 on the Winston-Salem City Employees' Federal Credit Union's ("Plaintiff") Complaint asserting claims against the Debtor pursuant to 11 U.S.C. § 523(a)(2)(A) and (a)(4). James Vaughan appeared on behalf of the Plaintiff and the Debtor appeared pro se. After considering the pleadings...
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