REASONS FOR DECISION
GERALD H. SCHIFF, Bankruptcy Judge.
The referenced cases involve the same parties and identical issues of law and fact. Although the matters were not consolidated, the issuance of only one written opinion is appropriate.
Ernest Ray Lafanette ("Lafanette") filed a voluntary petition for relief under Chapter 13 of the Bankruptcy Code on November 8, 1994, and on that day an order for relief was duly entered. In the chapter 13 plan...
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