MEMORANDUM OPINION AND ORDER
JANE J. BOYLE, District Judge.
Before the Court is Appellants John and Dyann Skelton's (the "Skeltons") appeal from an order of the bankruptcy court granting summary judgment and entering final judgment in favor of Appellees Urban Trust Bank ("Urban Trust") and Cenlar FSB ("Cenlar"). Having conducted a de novo review of the rulings of the bankruptcy court as well as the briefing of the parties, and the applicable...
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