MEMORANDUM OPINION
NORMAN K. MOON, District Judge.
Appellant Robert M. Johnson ("Johnson") has appealed a decision of the U.S. Bankruptcy Court for the Western District of Virginia in an adversary proceeding in which Johnson sought to have a debt owed to him by Appellee John Thomas Dowling ("Dowling") declared non-dischargeable. For the following reasons, I will reverse the opinion of the Bankruptcy Court and enter judgment in favor of Johnson.
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