MEMORANDUM OPINION
THOMAS M. TWARDOWSKI, Bankruptcy Judge.
Plaintiff, Christie A. Nowlin ("Plaintiff), filed the above-captioned complaint against Defendant, Tammac Financial Corporation ("Defendant"), seeking to bifurcate and "cram down" Defendant's secured claim to the fair market value of Plaintiffs mobile home, which Plaintiff argues in her brief is approximately $3l.000.00.
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