Under New Jersey law, the elements of common law fraud are "(1) a material misrepresentation of a presently existing or past fact; (2) knowledge or belief by the defendant of its falsity; (3) an intention that the other person rely on it; (4) reasonable reliance thereon by the other person; and (5) resulting damages." Allstate New Jersey Ins. Co. v. Lajara, 222 N.J. 129, 147 (2015) (quoting Banco Popular N. Am. v. Gandi, 184 N.J. 161, 172-73 (2005) (internal quotation marks omitted)); G.M. v. R.M., 2018 WL 672284, at *5 ( N.J.Super.Ct.App.Div. Feb. 2, 2018). Therefore, in a 523(a)(2)(A) action, it is appropriate to apply collateral estoppel to a judgment on the merits finding liability for common law fraud from a New Jersey state court action.