MEMORANDUM OF DECISION
PAUL MANNES, Bankruptcy Judge.
This matter comes before the court upon the filing by ITT Consumer Financial Corp. (ITT), of a complaint objecting to the dischargeability of a debt incurred by Stephanie Annicchiarico Walthall (Ms. Walthall), the debtor herein. ITT asserts that Ms. Walthall's debt is nondischargeable under § 523(a)(2)(A) and (B) of the Bankruptcy Code.
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