St. Paul Fire & Marine Insurance v. Vinecki (In re Vinecki)

FINDINGS OF FACTS, CONCLUSIONS OF LAW, AND MEMORANDUM OPINION

ALEXANDER L. PASKAY, Bankruptcy Judge.

The matter under consideration in this Chapter 7 liquidation case is a claim of nondischargeability asserted by The St. Paul Fire and Marine Insurance Co. (St. Paul) against Theodore Vinecki and Margaret Vinecki (Debtors). In its Complaint, St. Paul alleged that the Debtors obtained money from St. Paul by false pretenses, false representation or actual fraud, therefore, the debt owed to St. Paul by the Debtors should be excepted from the overall protection of the general discharge by virtue of…