MEMORANDUM OPINION
ROBERT McGUIRE, Chief Judge.
The following are the Court's Findings of Fact and Conclusions of Law under Bankruptcy Rule 7052, with respect to the October 25, 1991 hearing on the motion of Dan Louis Kelly and Brenda Gail Kelly ("Debtors") to avoid the lien of Norwest Financial ("Norwest").
This Court has jurisdiction over this matter pursuant to 28 U.S.C. §§ 157(b)(2)(I) and (K).
Background Facts
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