MEMORANDUM OPINION
R. GLEN AYERS, Jr., Chief Judge.
Introduction
This case has been pending under advisement for some time because this Court considers it to be a case of considerable importance, although the dispute involves the seemingly trivial sum of $75.00. The sum is not trivial to the individual Debtors, for they are elderly retirees barely surviving on social security benefits, forced into bankruptcy because of massive medical bills...
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