OPINION
MARY D. FRANCE, Bankruptcy Judge.
Procedural and Factual History
Before the Court is the objection of Sovereign Bank, F.S.B. ("Sovereign") to the confirmation of the chapter 13 plan filed by Carol Lynn Finnegan ("Debtor"). Sovereign, which filed a proof of claim for $22,577.68 secured by a 2004 Dodge Grand Caravan, objects to Debtor's proposal to cram down its claim to the value of the collateral. Debtor's chapter 13 plan...
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