MEMORANDUM OF DECISION
C. MICHAEL STILSON, Bankruptcy Judge.
These two matters came before the court on AT & T Universal Card Services Corporation's (hereinafter AT & T) lawsuits against debtors in separate Chapter 7 cases. AT & T sought to have the court declare the debtors' obligations to it nondischargeable in bankruptcy under 11 U.S.C. § 523(a)(2)(A). Separate hearings were held on the cases November 24, 1997.
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