MEMORANDUM OPINION
JACK CADDELL, Bankruptcy Judge.
This matter is before the Court on a complaint filed by the plaintiff, Dana Federal Credit Union (hereinafter "Dana"), seeking a determination by this Court that the discharge of the debtor/defendant, Douglas R. Holt (hereinafter the "debtor"), is due to be denied pursuant to 11 U.S.C. § 727(a)(4)(A), (5). The trial in this matter was held on the 13th day of December, 1995. Appearing were the debtor...
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