MEMORANDUM OPINION
FRANK W. KOGER, Chief Judge.
Debtors filed an objection to the claims of Victoria Mortgage Company. Debtors contend that the claims are $953.54 excessive because said amount represents reinstatement costs which are not properly chargeable to them by the terms of their promissory note and deed of trust. The disputed $953.54 breaks down as follows:
Prior Accrued Late Charges $ 9.24 Certified Mail ...
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