MEMORANDUM OPINION
JERRY W. VENTERS, Bankruptcy Judge.
This adversary proceeding raises the question of how far a creditor may go to obtain repayment on a debt without running afoul of the discharge injunction of 11 U.S.C. § 524 when the debtor has expressed his intention — both before and after filing bankruptcy — to repay the debt but never entered into a reaffirmation agreement. Expressed another way: "When is the voluntary repayment...
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