MEMORANDUM OPINION
DANA L. RASURE, Chief Judge.
On October 27, 1997, Spectrum Paint Company, Inc. ("Spectrum"), filed its Complaint to determine dischargeability of certain debts (the "Complaint") against Debtors Randy S. Chambers ("Mr. Chambers") and Laura J. Chambers ("Mrs. Chambers") (collectively sometimes referred to as the "Chambers"). The Debtors/Defendants filed their Answer to Adversary Proceeding (the "Answer") on November 18, 1997.
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