MEMORANDUM OF DECISION
JAMES H. WILLIAMS, Chief Judge.
Pending before the Court is the Complaint of Plaintiff, American General Finance, Inc. of Dover, Ohio (American General), seeking a finding of nondischargeability of the debt of the Defendants, John and Joann Philippi, under sections 523(a)(2)(A) and (B) of Title 11 of the United States Code. A trial was conducted and the matter was taken under advisement. For the reasons stated below, American General...
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