MEMORANDUM AND ORDER
ALAN H.W. SHIFF, Bankruptcy Judge.
These three adversary proceedings were brought by separate creditors for a determination that debts owed to them by the debtor are nondischargeable. In Cody's, Incorporated, (Cody's) it is alleged that the debtor "secured credit from the plaintiff by false pretenses or alternatively by actual fraud." In Shelton Savings & Loan Association, (Shelton) it is similarly alleged that the...
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