MEMORANDUM OPINION AND ORDER
RAY REYNOLDS GRAVES, Bankruptcy Judge.
STATEMENT OF THE CASE
These Chapter 13 proceedings have been consolidated for the purposes of this opinion by agreement of the parties because of similarities in their factual backgrounds and the legal issues presented. The objections of the secured creditor, mortgagee of the debtors, are overruled and the Chapter 13 plans are confirmed.
These cases came before the Court...
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