MEMORANDUM OPINION
DUNCAN W. KEIR, Bankruptcy Judge.
Before the court is a Motion for Summary Judgment filed by Debtor Kyle Smith ("Debtor"), the debtor in a Chapter 7 bankruptcy case. Primus Automotive Financial ("Creditor"), a creditor in said bankruptcy case, has responded to the Motion. The court finds that the facts and arguments are adequately set forth in the Motion and case record and that a hearing would not aid the decisional process.
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