MEMORANDUM OPINION
WILLIAM S. HOWARD, Bankruptcy Judge.
By Agreed Order Submitting Case for Ruling entered March 31, 1993, this matter was submitted to the Court for ruling upon the record. The parties submitted Joint Stipulation of Facts to the Court on March 8, 1993 which appear to stipulate all of the relevant facts involved in this controversy.
Sherrill L. Daulton and Elfreda Daulton ("debtors") are residents...
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