MEMORANDUM OPINION AND ORDER
CARRIGAN, District Judge.
Appellants Marcia and Howard Potter ("debtors") are debtors in a bankruptcy proceeding currently pending in this district. Appellees United Bank of Denver National Association and National Bank of the Rockies ("creditors"), the Potters' creditors, filed an adversary proceeding under 11 U.S.C. § 727, seeking a denial of discharge. The matter was tried to the bankruptcy court on January 9, 10, and...
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