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IN RE DELNERO

Bankruptcy No. 95-61473.

191 B.R. 539 (1996)

In re Anthony D. DELNERO, Dawn M. Delnero, Debtors.

United States Bankruptcy Court, N.D. New York.

January 5, 1996.

Attorney(s) appearing for the Case

Mark Swimelar, Chapter 13 Trustee, Syracuse, New York.

Thomas, Collison & Meagher (Robert F. Whalen, of counsel), Endicott, New York, for Debtors.

MEMORANDUM-DECISION, FINDINGS OF FACT, CONCLUSIONS OF LAW AND ORDER

STEPHEN D. GERLING, Chief Judge.

The Court considers herein the objection of Mark W. Swimelar, Esq., Chapter 13 trustee ("Trustee") to confirmation of the Chapter 13 plan of Anthony D. Delnero ("A. Delnero") and Dawn M. Delnero ("D. Delnero") (hereinafter jointly referred to as "Debtors") filed on May 1, 1995, and subsequently modified on or about July 19, 1995. As the

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