FINDINGS OF FACT, CONCLUSIONS OF LAW AND MEMORANDUM OPINION
ALEXANDER L. PASKAY, Chief Judge.
THIS IS an adversary proceeding instituted by First National Bank in Ft. Myers (the Bank) and the matter under consideration is the dischargeability, vel non, of an obligation owed to the Bank by the Chapter 7 Debtor, Shirley Diane Hadley (the Debtor). The Bank seeks a determination that the balance owed by the Debtor on her Visa credit card is a non-dischargeable...
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