MEMORANDUM OPINION
GEORGE L. PROCTOR, Bankruptcy Judge.
The issue with which the Court deals in this opinion presents itself identically in two adversary cases in which the named defendant is James Bowen, i.e. In re James N. and Donna C. Bowen, 83-170-BK-J-GP, adversary 83-322, Georgia Higher Education Assistance Corporation v. James N. Bowen and adversary 83-323, Board of Regents of the University of Georgia v. James N. Bowen. Because the...
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