MEMORANDUM OPINION1
JUDITH K. FITZGERALD, Bankruptcy Judge.
Before the court are (1) Count XXI of the adversary complaint at Adversary No. 93-0954 of Wilmington Savings Fund Society, FSB ("Wilmington Savings") requesting a finding that the debt of Maytor H. McKinley (Debtor) to Wilmington Savings is nondischargeable pursuant to 11 U.S.C. § 523(a)(2)(B); (2) Debtor's counterclaim
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