DECISION & ORDER
JOHN C. NINFO, II, Bankruptcy Judge.
BACKGROUND
On October 30, 2007, Kathleen M. Gallagher (the "Debtor") filed a petition initiating a Chapter 7 case. On the Initial Schedules and Statements required to be filed by Section 521 and Rule 1007 and her Amended Schedules (the "Schedules") the Debtor indicated that she had: (1) general unsecured debts totaling $48,484.00;
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