MEMORANDUM
RALPH H. KELLEY, Bankruptcy Judge.
In bankruptcy cases, filing of a proof of claim is important only as a step toward allowance of the claim. Allowance of a claim establishes a creditor's right to participate in a case and receive payment from the bankruptcy estate. 11 U.S.C. §§ 726, 1111, 1126, 1129, & 1325(a)(4) & (5).
In a case under chapters 7 or 13 of the Bankruptcy Code, a claim can be allowed
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