MEMORANDUM OF OPINION ON MORTGAGE PAYMENTS
JOHN C. AKARD, Bankruptcy Judge.
John Wesley Ronemus and Pamela Jean Ronemus (Debtors) who were the Debtors in a Chapter 13 case, No. 190-10365, filed this adversary proceeding. The confirmed Chapter 13 plan called for two delinquent home mortgage payments owing to FTB Mortgage Services (FTB)
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