BIRMINGHAM TRUST NATIONAL BANK, a National Banking Association, Plaintiff-Appellee, v. John P. CASE, Jr., Defendant-Appellant

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• \[W]e hold that reckless disregard for the truth or falsity of a statement constitutes a 'false representation' under § 523(a)(2)(A) of the Bankruptcy Code.\
• \[T]he plain 15 language of the statute suggests that dischargeability is an `all or nothing' proposition.\

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