MEMORANDUM OPINION JAMES P. SMITH , Chief Bankruptcy Judge . In this adversary proceeding, Kapitus Servicing, Inc., formerly known as Colonial Funding Network, Inc. as servicing provider for Strategic Nationwide Funding ("Kapitus") seeks to have its claim against Debtor declared nondischargeable pursuant to 11 U.S.C. 523(a)(2)(A), (a)(2)(B), (a)(4) and (a)(6). The matter came on for trial on September 17, 2019. 1 At the conclusion of the evidence, the Court requested that the parties...