ALTIMARI, Circuit Judge:
Bethpage Federal Credit Union ("Bethpage"), a creditor in the instant bankruptcy case, appeals from a judgment of the district court affirming the bankruptcy court's decision, after a bench trial, that a certain debt incurred by the debtor Nicholas J. Furio ("Furio" or "debtor") is dischargeable. Bethpage contends that the debt was procured by a false credit application, and therefore is excepted from dischargeability under section 523(a)...
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