MEMORANDUM DECISION
SARAH SHARER CURLEY, Bankruptcy Judge.
I. PRELIMINARY STATEMENT
Plaintiff, Citibank, South Dakota, N.A., commenced an adversary proceeding against Loren Drake Brower, the Debtor, on October 3, 2005, to determine whether the debt due and owing to it was nondischargeable under 11 U.S.C. § 523(a)(2)(A). The Debtor, who is pro se, responded, and the Court conducted various pretrial proceedings in this matter. The Court...
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