OPINION
ABRAHAMS, Bankruptcy Judge:
Downey Savings & Loan Association ("Downey") appeals from the bankruptcy court's confirmation of a Chapter 13 debtor's composition plan. The debtor Metz, who is the appellee, filed three bankruptcy petitions within six months. After receiving a discharge in the first of his bankruptcy cases, a Chapter 7, Metz filed two consecutive Chapter 13 petitions. This procedure is often called a "Chapter 20" (a Chapter 7 plus...
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