MEMORANDUM OPINION
JOHN H. SQUIRES, Bankruptcy Judge.
These matters come before the Court on the objection of U.S. Employees Credit Union (the "Credit Union") to the claim of homestead exemption by Joyce Owens (the "Debtor") pursuant to 11 U.S.C. § 522(b)(1) and Federal Rule of Bankruptcy Procedure 4003(b) and on the objection of the Credit Union to confirmation of the Debtor's plan. For the reasons set forth herein, the Court overrules the objections...
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