MEMORANDUM-OPINION
JOAN LLOYD COOPER, Bankruptcy Judge.
This case consists of two separate lawsuits which involve the claim of Dan and Faith Miller (the "Millers") for the total fire loss of their home covered under a homeowners' policy issued by Pacific Indemnity Insurance Company ("Pacific"), one of the Chubb Group of Insurance Companies ("Chubb"), Pacific's defenses to the claim, and Pacific's claim for nondischargeability of sums advanced under...
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