MEMORANDUM AND CONCLUSIONS
CHARLES J. MARRO, Bankruptcy Judge.
These adversary proceedings on the Complaints of the First National Bank of Glens Falls filed separately against each debtor and consolidated came on for hearing, after notice.
Although not specifically alleged in the Complaints, they are apparently predicated on § 523(a)(2) which makes nondischargeable any debt for obtaining money by false pretenses, a false representation, or actual...
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