OPINION
LARRY L. LESSEN, Bankruptcy Judge.
The issue before the Court is whether a certificate of deposit payable to the Debtor "and/or" his mother is an asset of the bankruptcy estate.
Eleanor Ericson ("Mrs. Ericson") is a 78 year-old widow. She has two children — the Debtor, Martin Ericson, and a daughter, Jill Salley.
In 1997, Mrs. Ericson was living in Galva, Illinois. She did her banking at the Community State Bank of Galva where...
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