MEMORANDUM OPINION
HAROLD C. ABRAMSON, Bankruptcy Judge.
Came before the Court for consideration the following pleadings:
1. Complaint to Determine Dischargeability of Debt by Debtor, filed on November 18, 1998; and Amended Complaint to Determine Dischargeability of Debt by Debtor, Clark Alan Shaffer ("Debtor" or "Plaintiff"), filed on July 7, 1999;
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