MEMORANDUM OPINION
JOHN T. LANEY, III, Bankruptcy Judge.
On January 15, 2003, the court conducted a trial on the Complaint of International Fidelity Insurance Company ("Plaintiff") Against Raymond Jerry Baxter ("Defendant") for determination of whether debt owed on a construction bond is nondischargeable because it was obtained by materially false financial statements under 11 U.S.C. § 523(a)(2)(B) or was obtained by fraud while acting as a fiduciary...
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