MEMORANDUM OPINION AND ORDER
ASPEN, Chief Judge.
This case is before us on appeal from a final judgment of the bankruptcy court. Citibank brought an adversary proceeding against the debtor, Aphrom Michel, seeking to prevent him from discharging his debt to Citibank. Specifically, Citibank argued that Michel had borrowed money from it by fraudulent means, rendering the debt nondischargeable under 11 U.S.C. § 523(a)(2)(A). The bankruptcy court...
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