OPINION
NIEMEYER, Circuit Judge:
Under Chapter 13 of the Bankruptcy Code, a debtor may gain approval of a debt adjustment plan that provides for the debtor's retaining possession of property securing a loan, despite the objections of the secured creditor, through a "cram down" provision. The "cram down" provision permits the bankruptcy court to approve distribution to the secured creditor of future installment payments equivalent in value to the securing...
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