Jody is a private lender who is charged with filing false claims in bankruptcy proceedings against her debtors. the standard of proof to find a defendant who has been charged with a crime guilty is:

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The standard of proof to find a defendant who has been charged with crime who is guilty is beyond a reasonable doubt. The standard proof is beyond the reasonable doubt, so Jody is a private lender who is charged with filing false claims in bankruptcy proceedings against her debtors.

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