OPINION
WARREN W. BENTZ, Bankruptcy Judge.
Because this Court finds (1) that there is no statutory presumption of nondischargeability and (2) that there is insufficient evidence to show that Debtor fraudulently made charges on his credit card with no intent to repay Chase and (3) that Chase, never having asked Debtor anything about his assets or liabilities, cannot rely on an implied representation of solvency, and (4) that, therefore, the Debtor...
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