MEMORANDUM OPINION
ARTHUR B. FEDERMAN, Bankruptcy Judge.
A trial to determine the dischargeability of a credit card debt was held on April 21, 1994. At the conclusion of the hearing, I announced that the debt was dischargeable and awarded debtor attorney's fees and costs pursuant to 11 U.S.C. § 523(d). The following shall constitute the Court's Findings of Fact and Conclusion of Law pursuant to Federal Rule of Civil Procedure 52 as made applicable...
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