OPINION
THOMAS M. TWARDOWSKI, Bankruptcy Judge.
The debtor and her primary residential mortgagee have presented matters to this court for resolution: first, is the debtor's objection to the allowance of a proof of claim filed by Horizon Financial, F.A. ("Horizon") which seeks interest, costs and attorney's fees incurred as a result of the debtor's default on her mortgage; second, is Horizon's objection to the debtor's chapter
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