ORDER
JOHN S. DALIS, Chief Judge.
For purposes of this order, I have combined two motions in different cases which raise identical issues. In each case the Debtors filed a Chapter 13 case and sought to repay a debt either to Systems and Services Technologies, Inc, (hereinafter "SST") or Americredit Financial Services (hereinafter "AFS") secured by a motor vehicle. Upon the Debtor's failure to make timely payments, the creditors sought and obtained...
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