With no explanation, chose the best option from "A", "B", "C" or "D". 523(a)(7) explicitly requires that the exception to discharge only applies to payments that are not in compensation for actual pecuniary loss, and thus no enforceable contract "penalty” would fall under this provision. 17 . Again, we provide the definition pertinent to the context. 18 . We further note that the "exceptions to discharge are to be strictly construed in favor of the debtor,” In re Fegeley, 118 F.3d 979, 983 (3d Cir.1997). 19 . As discussed above, we find this interpretation to be the only one that comports with the language used in the statute. We note that the Debtor’s own arguments in support of this interpretation rely on pre-Code bankruptcy practice and on the provision’s legislative history, but we do not find either of these sources useful or convinc 912) (Hand, J.) (<HOLDING>) and Matter of Lake, XXII Am. Bankr.R. (N.S.)

A: holding that reporting of historically accurate debt may violate the fcra when the reporting did not include that the debt was discharged in bankruptcy or that the debt was in dispute
B: holding that effect of discharge of debt under bankruptcy code is the same as it was under the 1898 bankruptcy act it is not an extinguishment of the debt but only a bar to enforcement of the debt as a personal obligation of the debt or
C: holding that a bail bond surety debt was not an allowable debt in bankruptcy because it is a penalty
D: holding that an entity engaged in collection activity on a defaulted debt acquired from another is a debt collector under the fdcpa even though it may actually be owed the debt
C.