MEMORANDUM OPINION
STEPHEN J. COVEY, Bankruptcy Judge.
This matter comes on to be heard upon the Joint Stipulation of Facts filed by Debtor, Barbara J. Willis ("Debtor"), and Lonnie D. Eck, Chapter 13 Standing Trustee for the Northern District of Oklahoma (the "Trustee"). The Court being fully advised in the premises hereby finds as follows:
STATEMENT OF FACTS
Debtor filed a voluntary petition for relief under Chapter 13 of the Bankruptcy...
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