MEMORANDUM OPINION
J. MICHAEL DEASY, Bankruptcy Judge.
I. INTRODUCTION
Steven M. Notinger, the chapter 7 trustee (the "Trustee") for the bankruptcy estates of Financial Resources Mortgage, Inc. ("FRM") and C L and M, Inc. ("CLM") (collectively, the "Debtors"), brought an adversary proceeding against Phillip and Melanie Migliaccio (the "Migliaccios" or the "Defendants") requesting that the Court declare certain promissory notes, mortgages...
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