MEMORANDUM OPINION
STEVEN W. RHODES, Bankruptcy Judge.
I. Introduction
These two adversary proceedings were consolidated for trial. In Janis v. Bidlofsky, George and Mary Janis allege that the debt owed to them by the debtors, Herbert and Sharon Bidlofsky, is non-dischargeable pursuant to 11 U.S.C. § 523(a)(2)(A). In Borock v. Bidlofsky, Paul Borock, the trustee, alleges practically every cause of action conceivable under...
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