MEMORANDUM OPINION
BERNARD MARKOVITZ, Bankruptcy Judge.
Before the court is a Complaint To Determine Secured Status and To Avoid Mortgage brought by Frank E. and Sandra L. Jablonski ("hereinafter debtors"). Debtors opine that the present fair market value of their residence is less than the amount due and owing on the mortgage on the property which is held by defendant Housing Mortgage Corporation (hereinafter "Housing"). They seek a determination...
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