First North American National Bank v. Widner (In Re Widner)

MEMORANDUM OPINION

WILLIAM F. STONE, Jr., Bankruptcy Judge.

This adversary proceeding came before this Court for trial on August 22, 2002 in order to determine the dischargeability of debt arising from the Defendant’s credit card purchases pursuant to 28 U.S.C. § 1334 and 11 U.S.C. § 523(a)(2)(A). The issue raised by the Plaintiff is whether the Defendant possessed fraudulent intent when she made certain purchases on a credit card issued by the Plaintiff.

The Plaintiff contends that the Defendant intended to obtain credit by false pretenses, false representations, or actual fraud by using the…