FINDINGS AND CONCLUSIONS
JOSEPH A. GASSEN, Bankruptcy Judge.
INTRODUCTION
Plaintiff, FRANCES K. LOWE, has in this consolidated adversary proceeding, sought to have the debt owed her declared nondischargeable, pursuant to Sec. 523(a)(2)(A) of the Bankruptcy Code. Plaintiff's adversary complaint names two debtors, ROBERTO'S, INC., a Florida corporation, and ROBERT KLINE, individually, and as the principal and sole stockholder of ROBERTO's, INC.<...
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