DECISION AND ORDER ON CONFIRMATION
WILLIAM A. CLARK, Bankruptcy Judge.
This matter is before the court on the objection to confirmation filed by Curtis Pierson, creditor. The parties submitted the case to the court on December 16, 1986 upon the memorandum of counsel for Curtis Pierson (creditor), the arguments of debtors' counsel and Chapter 13 Standing Trustee relying on Memphis Bank & Trust Co. v. Whitman,
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