OPINION
DAN M. RUSSELL, District Judge.
This case derives from two actions in which the facts were essentially the same. The actions were consolidated for procedural convenience.
In brief, the fact situations before this Court are as follows:
On November 26, 1977, the defendants Moreland executed a promissory note to the plaintiff, Liberty Loan Corporation, and granted the lender a security interest in household goods and furnishings.
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