DECISION ON MOTION TO REOPEN
ROBERT E. GRANT, Bankruptcy Judge.
Prior to the debtors' bankruptcy, their home was destroyed by fire. The loss was uninsured and left them with a vacant lot encumbered by a mortgage and, eventually, a judicial lien in favor of Protechs, Inc. When they filed bankruptcy the mortgage was in foreclosure. Because the amount due the mortgage holder exceeded the value of the now vacant lot, they decided not to claim an exemption...
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