FINDINGS OF FACT, CONCLUSIONS OF LAW AND MEMORANDUM OPINION
ALEXANDER L. PASKAY, Chief Bankruptcy Judge.
THIS IS a Chapter 7 liquidation case and the matter under consideration is the dischargeability vel non of certain debts owed by Michael R. Hale (Debtor) to the Plaintiff, Signet Bank/Virginia (Plaintiff), arising from the Debtor's use of a Mastercard issued to him by the Plaintiff. The Plaintiff's claim of nondischargeability is based on both §...
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