MEMORANDUM DECISION
ROBERT D. MARTIN, Bankruptcy Judge.
Wendell Wayne Chambers filed for bankruptcy under chapter 7 on August 12, 1981. Chambers had been in the used car business as Ridgeway Auto Sales. In the course of that business he borrowed $40,000 from Barneveld State Bank under the terms of a promissory note dated April 28, 1971. The note was secured by two real estate mortgages. On March 14, 1977, Chambers...
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