MEMORANDUM OPINION
STEVEN H. FRIEDMAN, Bankruptcy Judge.
This matter came before the Court February 29, 1996 for trial on the adversary complaint filed by Susan K. Childers ("Childers") in adversary case number 95-0869-BKC-SHF-A and the adversary complaint filed by Robert Stanley Stone, as next friend to Tiffany Dawn Moore ("Stone"), adversary case number 95-0892-BKC-SHF-A (Stone and Childers are collectively referred to as the "Creditors"). Because...
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