OPINION
DAVID A. SCHOLL, Chief Judge.
A. INTRODUCTION
This is an adversary proceeding ("the Proceeding") based upon new Bankruptcy Code § 523(a)(15). The facts of record establish that ALAN H. KOONS ("the Debtor") lacks the ability to pay the mortgage and credit card debts for which he agreed to hold his ex-wife, PATRICIA H. SHELLEM ("the Plaintiff"), harmless in a property settlement agreement between the parties, making our decision...
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