MEMORANDUM AND ORDER
ROBERT L. EISEN, Bankruptcy Judge.
Presently before the court are two cases in which the debtors desire to treat mortgage defaults after judicial sales through Chapter 13 plans. Because the cases vary factually so as to mandate different results, the court will consider both cases together in order to highlight the relevant factual distinctions.
I. FACTS OF IN RE LORETTA SMITH
Glen E. Smith and Loretta Smith...
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