MEMORANDUM AND OPINION
JOHN C. NINFO, II, Bankruptcy Judge.
BACKGROUND
On December 7, 1992 the debtor, Frank A. Thompson, Jr. (the "Debtor") filed a petition initiating a Chapter 13 case.
In his Schedules the Debtor listed his residence at 73 Hillendale Street, Rochester, New York ("Hillendale Street") as having a current market value of $55,000 and being subject to a January 1990 purchase money mortgage (the "Simmons
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