FINDINGS OF FACT, CONCLUSIONS OF LAW AND MEMORANDUM OPINION
ALEXANDER L. PASKAY, Chief Judge.
THIS IS a Chapter 7 case and the matter under consideration is a Complaint filed by Citibank (South Dakota) N.A. (Citibank) seeking a determination that debts owing by Michael L. Gnagey (Debtor) on two Citibank credit card accounts should be determined to be nondischargeable pursuant to 11 U.S.C. § 523(a)(2)(A). The Court has considered the record and finds...
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