BIRDSONG, Judge.
Appellant Keasler was sued in April 1979 by Cedar Bluff Bank (Cedar Bluff, Alabama) for default on two notes, which were secured by collateral in the inventory of appellant's business. In May, appellant answered and denied the default and indebtedness on the basis that he was disabled and his debt liability was covered by disability insurance, and that the bank had failed to apply for disability insurance to cover the payments of the notes "even though...
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