OPINION
DAVID W. HOUSTON, III, Bankruptcy Judge.
On consideration before the court is a complaint filed by Russell Moore and Wanda Moore, ("debtors"), to determine the validity of a lien held by the defendant, Regions Bank, ("Regions"); an answer and affirmative defenses having been filed Regions; a trial having been conducted on the merits; and the court, having heard and considered same, hereby finds as follows, to-wit:
I.
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