MEMORANDUM OPINION AND ORDER
ARRAJ, District Judge.
This matter is before the Court on an appeal from a decision of the United States Bankruptcy Court for the District of Colorado, Patricia A. Clark, Judge, denying Appellants' motion to avoid a lien pursuant to 11 U.S.C. § 522(f), and denying confirmation of Appellants' Chapter 13 plan. The sole determinative issue is whether the refinancing of Appellants' obligation under a previous transaction creating...
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