MEMORANDUM OPINION
MARK W. VAUGHN, Chief Judge.
The Court has before it the complaint of Plaintiff, UmbrellaBank, FSB, f/k/a ARGO Federal Savings Bank, FSB (hereinafter "UmbrellaBank"), against the Debtor-Defendant, Catherine Lawson Michel (hereinafter "Michel"), seeking that the debt owed to it be excepted from discharge pursuant
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