MEMORANDUM OF DECISION
ROBERT L. KRECHEVSKY, Chief Judge.
At issue in this litigation is the dischargeability of a debt owed Family Federal Credit Union (credit union) by the debtor, Debra Alice Schuster. An evidentiary hearing held on November 13, 1986, established the following factual background.
I.
The debtor, on August 24, 1983, applied to the credit union (apparently then named St. Francis Hospital Hartford Federal Credit Union) for...
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