MEMORANDUM OPINION AND ORDER
JOEL PELOFSKY, Bankruptcy Judge.
Commercial Credit Services Corporation loaned money to debtors to be used in their business, securing the loan by taking a second deed of trust on debtors' residence. Debtors have now filed a Chapter 13 case and propose to modify payments to Commercial Credit. Creditor objects. The parties have stipulated to all material facts and have submitted the matter for decision based upon the stipulation...
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