MEMORANDUM OPINION
M. BRUCE MCCULLOUGH, Chief Judge.
Tri-Boro Federal Credit Union (hereafter "the Credit Union") commenced the instant adversary proceeding for the purpose of contesting the dischargeability of its pre-petition deficiency claim of $25,635.54 against Jamie Kielur, the instant debtor (hereafter "the Debtor"), pursuant to 11 U.S.C. § 523(a)(2)(A) and (B). For the reasons set forth below, the Court rules that the Credit Union's ...
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