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IN RE WATKINS

Bankruptcy No. 96-70678.

240 B.R. 735 (1999)

In re Ray M. WATKINS, Mary Virginia Watkins, Debtors.

United States Bankruptcy Court, C.D. Illinois.

April 16, 1999.

Attorney(s) appearing for the Case

John S. Narmont, Springfield, IL, for debtors.

Richard H. Narup, Springfield, IL, for Brandt Fertilizer.

Michael D. Clark, Peoria, IL, Chapter 12 Trustee.

OPINION

LARRY LESSEN, Bankruptcy Judge.

Conrad Noll, a prominent Springfield attorney and banker, used to offer this bit of advice to lenders and other people who don't like losing money:

A. Paternity is a matter of conjecture and opinion. B. Maternity is a matter of certainty. C. Value of collateral is a matter of conjecture and opinion. D. Amount of debt is a matter of certainty.

This is a dispute about the...

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