MEMORANDUM OPINION
FRANK W. KOGER, Chief Judge.
William J. McDowell and Nancy J. McDowell filed their petition for relief under chapter 7 of the bankruptcy code on March 6, 1992. Fine Homes, Inc. of Springfield, d/b/a Herrman Lumber Company ("Herrman") and Timothy and Carolyn Marek filed two separate adversary actions against the debtors. The Mareks alleged that the debt to them should not be dischargeable under 11 U.S.C. § 523(a)(2)(A). Herrman alleged...
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