Id. 7 . "MBNA” Rating Downgraded Credit Card Debt Risk Cited, Bangor Daily News, April 26, 1997. 8 . Chris Woodyard, Consumers in Debt: A Sinking Feeling, Houston Chronicle, October 14, 1996, at A NEWS. 9 . Lauri Hayes, Credit Card: Banks’ Marketing Blitz Yields Rash of Defaults, Wall Street J., Sept. 25, 1996, at Bl. 10 . Id. 11 . Id. 12 . Id. 13 . Bob Kerlin, Knowing the Score on Credit, The Washington Times, March 21, 1997, at F. 14 . Id. 15 . Id. 16 . Id. 17 . Id. 18 . Id. 19 . Chris Woodyard, Consumers in Debt: A Sinking Feeling, Houston zmiller), 206 B.R. 424, 428 (Bankr.N.D.W.Va.1997) (stating that the presumption of nondischargeability satisfies the 5 elements of fraud the creditor must prove). But see MBNA America v. Simos (In re Simos), 209 B.R. 188, 195 (Bankr.M.D.N.C.1997) (<HOLDING>); Bank One Columbus, N.A. v. Fulginiti (In re
holding that section 523a2c shifts the initial burden of going forward holding that once movant established right to summary judgment burden shifts to nonmovant to demonstrate otherwise holding without extended discussion that the presumption shifts only the burden of production holding that burden shifts to nonmovant to raise issue of fact holding that section 523a2c shifts the burden of production and not the burden of proof on the issue of intent only