EN BANC MEMORANDUM OPINION AND ORDER
NANCY C. DREHER, Bankruptcy Judge.
The above entitled matter came on for hearing before the undersigned on the 2nd day of November, 1988, on a motion by the defendant to dismiss under Fed.R.Civ.P. 12(b)(6), incorporated by Bankruptcy Rule 7012, and under 11 U.S.C. § 523(c). Kathryn Page appeared on behalf of plaintiff, Industrial Financial Corporation ("IFC"); Clinton Cutler appeared on behalf of defendant/debtor...
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