Linsangan

I. Introduction1

In this dischargeability action, Plaintiff Maria Linsangan (“Linsangan”) alleges that debt incurred in connection with a Loan Agreement dated March 4, 2017 (the “Loan Agreement”) should be excepted from the discharges of Marlon Salamat (“Marlon”) and Daisy Salamat

1 This disposition is not appropriate for publication. (“Daisy,” and together with Marlon, the “Defendants”)2 pursuant to § 523(a)(2)(A), (a)(2)(B), and (a)(6). As a result of the COVID-19 pandemic, trial was conducted by videoconference on September 28, 2020.3 This Memorandum of Decision constitutes the Court’s findings of fact and conclusions of law pursuant to Civil Rule 52, made applicable to these proceedings by Bankruptcy Rule 7052.4 For the reasons set forth below, the Court finds that Linsangan is not entitled to a judgment of non-dischargeability against the Defendants under § 523(a)(2)(A), (a)(2)(B), or (a)(6). The Court will enter judgment in favor of the Defendants.

II. Evidentiary Rulings

On December 16, 2019, the Court entered a Scheduling Order5 which, among other things, required the parties to “exchange copies of all exhibits which each party intends to introduce into evidence” by no…