The Debtor, Vic Richmond, is liable for the debts incurred by JSR & Company because of fraud. Jill Richmond is liable for the debts of JSR & Company because she guaranteed JSR & Company’s note. Vic Richmond is liable for the debts incurred by Richmond & Company because of fraud. The discharge of the Debtors, Vic Richmond and Jill Richmond, is denied pursuant to 11 U.S.C. § 727(a)(4)(A) and 11 U.S.C. § 727(a)(5). Vic Richmond’s debts to the Bank are excepted from discharge pursuant to 11 U.S.C. § 523(a)(2)(A) and 11 U.S.C. § 523(a)(6). The discharge of Vic Richmond is also denied pursuant to 11 U.S.C. § 727(a)(3).