MEMORANDUM OPINION
MARK W. VAUGHN, Chief Judge.
The Court has before it the amended complaint of Elaine M. Flanagan (the "Plaintiff') in which she brings seven counts seeking to except certain debts from discharge under section 523 and to deny Phillip L. Howard, Jr. (the "Defendant"), a discharge under section 727. The Court held a half-day trial on October 25, 2006. The Plaintiff is pro se and the Defendant was represented by counsel at trial. After...
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