OPINION
BILLINGS, Judge:
This appeal arises from a garnishment proceeding filed by appellant Territorial Savings & Loan Association ("TSL") to enforce a deficiency judgment against respondent John N. Baird. The parties cross-motioned for summary judgment. The trial court granted Baird's motion and denied TSL's motion. TSL appeals from this order, claiming the trial court erred in concluding as a matter of law, that Baird's conveyance of real estate into...
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