RICHARD L. SPEER, Bankruptcy Judge.
MEMORANDUM OPINION AND DECISION
This cause comes before the Court upon Plaintiffs' Motion for Summary Judgment to Determine Dischargeability of Debt pursuant to 11 U.S.C. § 523; and the Response of the Defendant/Debtor, Phil M. Kelley. The Court has now had the opportunity to review the arguments of the Parties, as well as the entire record in this case. Based upon that review, and for the following reasons...
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