OPINION AND ORDER
SCOTT W. DALES, Bankruptcy Judge.
I. INTRODUCTION
This matter is before the court on the Complaint of Astera Credit Union (the "Credit Union") against Chapter 7 Debtor Doris E. Russell ("Ms. Russell") in which the Credit Union seeks an order excepting its debt from discharge under 11 U.S.C. § 523(a)(2)(A). The court conducted a bench trial in Grand Rapids, Michigan on January 23, 2012 at which the Credit Union appeared...
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