OPINION AND ORDER
WILLIAM H. FRAWLEY, Bankruptcy Judge.
The debtor appears by Terrence Byrne and submits application to avoid liens of Citizen Bank and Trust (CBT). CBT, by Robert Kuehn and Thomas Mallery, opposes the application. A hearing was held on this matter on March 27, 1986, and the issue has been submitted for determination by briefs. It is the conclusion of the court that the application should be denied.
On December 5, 1983, the debtor...
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