MEMORANDUM DECISION
WILLIAM C. HILLMAN, Bankruptcy Judge.
This matter is before the Court on an adversary proceeding commenced by Plaintiff, Richard D. Smith, Jr. ("Plaintiff" or "Smith") against Chapter 7 Debtor, Dana Edward Cunningham ("Debtor"), to determine dischargeability of an obligation under §§ 523(a)(2)(B) and 523(a)(6) and to deny Debtor's discharge under § 727(a)(7). The parties submitted two joint pre-trial statements to...
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