MEMORANDUM OPINION
MARK W. VAUGHN, Chief Judge.
The Court has before it the complaint of Banknorth, N.A., successor in interest to the Bank of New Hampshire ("Plaintiff") against Jill Sanders ("Debtor" or "Defendant"). The complaint seeks to except from discharge a debt owed by the Defendant to the Plaintiff pursuant to 11 U.S.C. § 523(a)(2)(A) and (B)
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