In re Sass, No. 09 B 11912, 2010 Bankr. LEXIS 4899 (N.D. Ill. Dec. 29, 2010)

(creditor (bank) sought judgment that debt was nondischargeable under 11 U.S.C. Sec. 523(a)(2)(A) on the basis that the loaned funds were fraudulently obtained; debtor's motion to dismiss granted because 11 U.S.C. Sec. 523(a)(2)(A) and (a)(2)(B) are mutually exclusive;. (A) specifically excludes debts obtained via a statement "respecting a financial condition" and (B) requires that a statement "respecting a financial condition must be in writing to be actionable; debtor merely made oral statements via a telephonic loan application process).