OPINION
ASHELY M. CHAN, Bankruptcy Judge.
I. FACTS AND PROCEDURAL HISTORY
On April 25, 2005, the Debtor and his wife, Judith A. Sheppard ("Mrs. Sheppard" and, collectively with the Debtor, the "Sheppards") executed a promissory note ("Note") in the amount of $787,500 in favor of Wells Fargo Bank, N.A. ("Wells Fargo"), which was...
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