MEMORANDUM OPINION
STEPHEN S. MITCHELL, Bankruptcy Judge.
This is an action to determine the dischargeability of a $71,789.78 loan made by the plaintiff, Manouchehr Soheily, to the debtor, Tai T. Vuong, that Mr. Soheily asserts was procured by false pretenses, false representations, or actual fraud. A trial, at which each of the parties represented himself pro se, was held on September 29, 2006. Based...
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