OPINION
WILLIAM V. ALTENBERGER, Chief Judge.
Prior to the Debtor, Darlene M. Rosenthal, (DEBTOR) filing her Chapter 13 case in Bankruptcy, she entered into two co-signed loan transactions with the Rock Island Employees Credit Union (CREDITOR), one of which was co-signed by John Millwood (MILLWOOD). The DEBTOR then filed a Chapter 13 case in Bankruptcy. The order confirming the DEBTOR's
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