MEMORANDUM OPINION AND ORDER
CHARLES M. CALDWELL, Bankruptcy Judge.
This Memorandum Opinion and Order constitutes the findings of fact and conclusions of law for the adversary proceeding commenced by Clyde Hardesty, Chapter 7 Trustee ("Plaintiff"). The Plaintiff seeks to invalidate the mortgage interests of Equity One Credit Corp. ("Defendant") in the residential real estate of Herbert Russell Farrell, Jr. and Lucy Elizabeth Farrell ("Debtors"). The...
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