MEMORANDUM OPINION
DOUGLAS O. TICE, Jr., Chief Judge.
Hearing was held on December 19, 2001, on Chapter 13 trustee's and Virginia Heartland Bank's objections to chapter 13 plan. The court took the matters under advisement, asking counsel for Virginia Heartland to submit proposed findings of fact and conclusions of law and allowing counsel for debtor to respond. The trustee deferred to counsel for Virginia Heartland.
For reasons stated below...
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