MEMORANDUM OPINION AND ORDER
FREDERICK J. HERTZ, Bankruptcy Judge.
I.
This case comes to be heard on the motion of the adversary defendant, Lottie Niemiec, (hereinafter "Niemiec"), for a directed verdict in her favor at the close of the case-in-chief of the adversary plaintiff, Pioneer Bank & Trust Company (hereinafter "Pioneer"). Pioneer commenced an adversary proceeding against the debtor, Niemiec, seeking to declare a debt nondischargeable...
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