DECISION & ORDER
JOHN C. NINFO, II, Chief Judge.
BACKGROUND
On August 23, 2002, Nelson L. Betances (the "Debtor") filed a petition initiating a Chapter 7 case. On the Schedules and Statements required to be filed by Section 521 and Rule 1007, the Debtor indicated that: (1) he owned a residence at 195 Merlin Street, Rochester, New York ("Merlin Street"), which had a current market value of $44,500.00; (2) Wells Fargo Home Mortgage, Inc...
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