MEMORANDUM OPINION
THOMAS M. TWARDOWSKI, Bankruptcy Judge.
Plaintiff, First Valley Bank ("plaintiff"), has filed this complaint to determine the dischargeability of a portion of a debt owed to it by the husband and wife debtors/defendants, Harold and Mary Ramonat ("debtors"). Mixed questions of fact and law abound in plaintiff's allegations that debtors/defendants committed defalcation, embezzlement and willful and malicious injury in violation of 11 U.S...
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