MEMORANDUM OPINION
STARK, U.S. District Judge:
I. BACKGROUND
Plaintiffs, Richard J. Williams and Mary Ann Cloud-Williams, became delinquent on their home mortgage and filed for bankruptcy under Chapter 13 of the United State Bankruptcy Code. See In re Williams, 2014 WL 3584002, at *1 (Bankr. D.Del. July 18, 2014...
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