MEMORANDUM OPINION AND ORDER
FRANK W. KOGER, Chief Judge.
Debtor, Donald Francis Van Dyke, opened a Mastercard account with a $5,000.00 credit limit with AT & T on December 30, 1995, at or about the time he became unemployed. Beginning on January 25, 1996, through the month of February 1996, Debtor brought his credit card balance from $0 to almost $2,900.00 at an exhilarating pace, primarily as a result of numerous cash advances which accounted...
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