OPINION
WILLIAM L. NORTON, Jr., Bankruptcy Judge.
This adversary proceeding has been brought by The Citizens & Southern National Bank (C&S) to seek determination of the dischargeability of a debt of $5,096.23 owed by Defendant Willie Fred Thomas (Thomas) to Plaintiff. The debt is secured by an automobile. Thomas obtained an automobile loan from C&S on or about September 6, 1978. C&S alleges that Thomas orally informed the bank at the time...
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