MEMORANDUM DECISION AND FINAL JUDGMENT
SIDNEY M. WEAVER, Bankruptcy Judge.
THIS CAUSE having come before the Court upon the complaint of Amerifirst Federal Savings and Loan Association ("Amerifirst") to determine the dischargeability of a debt pursuant to 11 U.S.C. § 523(a)(2)(A) and the Court having heard the testimony, examined the evidence presented, observed the candor and demeanor of the witnesses, considered the arguments of counsel finds as follows...
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