MEMORANDUM OF DECISION
Melvin S. Hoffman, U.S. Bankruptcy Judge.
USAlliance Federal Credit Union initiated this adversary proceeding by filing a complaint against Jeffrey S. Reale, the debtor in the main chapter 7 case, seeking a judgment under Bankruptcy Code § 523(a)(2)(A) and (B) and § 523(a)(6) excepting from Mr. Reale's...
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