MEMORANDUM AND ORDER
WOLF, District Judge.
I. INTRODUCTION
Plaintiff/creditor FIA Card Services, N.A. ("FIA") appeals a bankruptcy court ruling awarding attorney fees and costs to defendant/debtor Kimberly Conant pursuant to 11 U.S.C. § 523(d). See FIA Card Servs., N.A. v. Conant (In re Conant),
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