DECISION AND ORDER
REYNOLDS, Senior District Judge.
BACKGROUND
On January 22, 1990, plaintiff United States of America ("United States") commenced an action against defendant Charles Davis ("Davis") alleging that he owed the United States $21,393.61 plus interest, administrative costs, and penalties. This debt was incurred as a result of the Veterans Administration ("the VA") guaranteeing the mortgage Davis executed in order to purchase his home...
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