MEMORANDUM OPINION
KAY WOODS, Bankruptcy Judge.
A trial was held in this matter on November 23, 2004. Debtor/Plaintiff, Thomas Francis Barrett, Jr. ("Debtor" or "Plaintiff'), wag represented by Robert A. Ciotola. Esq. Defendant, Educational Credit Management Corporation ("ECMC" or "Defendant"), was represented by Frederick S. Coombs, III, Esq. This Court has jurisdiction of this case under 28 U.S.C. § 1334. This matter constitutes a core proceeding...
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