Reasons for Decision (Re: [9] Trial in (Re: [1]  Complaint); Court finds that Polaris has failed to satisfy its burden of establishing that the debt was a result of false pretenses, a false representation, or actual fraud; As such, the debt owed to Polaris is DISCHARGEABLE & the Complaint is DISMISSED; Accordingly, debtor's request for fees & costs is DENIED; Counsel for debtor shall submit a Judgment in conformity with the foregoing reasons w/in 20 days. (cath)