MEMORANDUM OPINION
PORTER, District Judge.
This is an appeal from the decision of the Referee in Bankruptcy avoiding a lien of the Franklin Credit Company (hereinafter referred to as Franklin) on the bankrupt's house trailer. The only other creditor involved in this case is the Saint Margaret Mary Credit Union (hereinafter referred to as the Credit Union). At all times involved, the bankrupt was a minor. The facts are not in dispute.
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