MEMORANDUM OF DECISION
ANITA L. SHODEEN, Bankruptcy Judge.
The matter before the Court arises from the trial conducted in the above captioned adversary complaint. Appearing for the Plaintiffs were Chet A. Mellema and Donald F. Neiman. The Defendant, Beverly De Ronde ("Defendant" or "De Ronde"), was represented by Michael L. Jankins.
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