Halpin v. Hardy (In re Hardy)

MEMORANDUM OPINION

Gregory R. Schaaf, Bankruptcy Judge

The Plaintiffs Dermot and Hilary Halpin brought this adversary proceeding to declare an obligation of the Debtor Defendant William Hardy non-dischargeable under 11 U.S.C. § 523(a)(2)(A). A trial was held on June 8-10, 2016, and the matter is ripe for a decision. The subject debt is dischargeable upon consideration of the parties’ stipulation of facts, arguments, testimony and exhibits admitted into evidence, and the record. The Plaintiffs have not satisfied their burden to prove false pretenses, a false representation,'or actual fraud by a…