MEMORANDUM-DECISION, FINDINGS OF FACT, CONCLUSIONS OF LAW AND ORDER
STEPHEN D. GERLING, Chief Judge.
Presently before the Court are two cases: In re Stephen and Kathleen Cerminaro, Case No. 97-62790, ___ B.R. ___ (Bkrtcy. N.D.N.Y.1998) ("Cerminaro case"), In re Tina and Robert Tinker, Case No. 97-62628, ___ B.R. ___ (Bkrtcy.N.D.N.Y.1998) ("Tinker case") consolidated for the purposes of this decision since both cases involve the...
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