ORDER
SCHLESINGER, District Judge.
This cause is before the Court on an appeal of the decision of Judge Proctor rendered by the United States Bankruptcy Court for the Middle District of Florida ("the Bankruptcy Court"). Appellant First Card Services, Inc., filed its brief (Doc. No. 13) on August 31, 1995. Appellee James Howard Herndon filed his Answer Brief (Doc. No. 16) on September 21, 1995. Appellant First Card filed a Reply Brief on October 10...
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