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IN RE MICHAELS

BAP Nos. WY-02-002, WY-02-003. Bankruptcy Nos. 01-21565, 01-21511.

282 B.R. 234 (2002)

In re Carrie Ann MICHAELS, also known as Carrie Ann Michaels-Burkard, Debtor. Carrie Ann Michaels, Appellant, v. Tracy Lynne Zubrod, Trustee, Appellee. In re Michael Anthony Vigil; and Tina Ilene Vigil, also known as Tina Ilene Christy, Debtors. Michael Anthony Vigil and Tina Ilene Vigil, Appellants, v. Tracy Lynne Zubrod, Trustee, Appellee.

United States Bankruptcy Appellate Panel of the Tenth Circuit.

August 20, 2002.

Attorney(s) appearing for the Case

Georg Jensen, of Law Offices of Georg Jensen, Cheyenne, WY, for Appellants.

Tracy L. Zubrod, Trustee, pro se.

Before BOULDEN, MICHAEL, and CORDOVA, Bankruptcy Judges.

OPINION

MICHAEL, Bankruptcy Judge.

Debtors Carrie Ann Michaels ("Michaels"), Michael Anthony Vigil, and Tina Ilene Vigil (the "Vigils," collectively "Debtors") bring these appeals from separate orders of the United States Bankruptcy Court for the District of Wyoming ("bankruptcy court") sustaining the Chapter 7 trustee's objections to their exemptions in the cash surrender value of certain life insurance policies. Because there are no facts in dispute and...

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