ORDER
LEWIS M. KILLIAN, Jr., Bankruptcy Judge.
THIS MATTER is before the court on the debtors', Harvey & Cheryl Donley, Motion for Determination of Necessity of Reaffirmation Agreement. The debtors seek to retain their automobile without the necessity of a reaffirmation agreement. The creditor, Capital City First National Bank ("Capital City"), has taken the position that the debtors have three alternatives: (a) surrender the collateral, (b) redeem the...
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