MEMORANDUM AND ORDER
ROBERT L. EISEN, Bankruptcy Judge.
This matter came to be heard on the plaintiffs' two-count complaint to determine the dischargeability of two separate debts. Robert Abitua (debtor) filed a memorandum in support of his answer. The plaintiffs failed to file a memorandum within the time limit set by this court. The court, being fully advised in the premises, does hereby make the following findings of fact and conclusions of law.
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