MEMORANDUM OPINION
ROBERT L. JONES, Bankruptcy Judge.
Robert Paul Coffman Jr. and Galyn Frederiksen-Coffman (the Coffmans), the debtors, seek to modify their confirmed Chapter 13 plan to provide for surrender of a 1992 Acura Integra to Amarillo Community Federal Credit Union (ACFCU) in satisfaction of the Coffmans' obligation to make payments on ACFCU's secured claim. ACFCU objects to the modification. Hearing on the issue was held November 19, 2001...
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