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IN RE ZACHARY D.

Nos. 06-10562-JDW, 06-10776-JDW, 06-10729-JDW.

355 B.R. 920 (2006)

In re ZACHARY D. and Lawanda L. Robinson, Debtors. In re Johnny D. Clyde, Jr. and Belinda A. Owens, Debtors. In re David W. and Cheryl A. Stevenson, Debtors.

United States Bankruptcy Court, M.D. Georgia, Albany Division.

November 29, 2006.

Attorney(s) appearing for the Case

George Woodall, Albany, GA, for Debtors.

Mark A. Gilbert, Valdosta., GA, for Creditors.

H. Tucker Dewey, Memphis, TN, for DaimlerChrysler Financial Servs.

Ronald Levine, Atlanta, GA, for HSBC Auto Finance.

Lisa Ritchey Craig, Atlanta, GA, for GMAC.

MEMORANDUM OPINION

JAMES D. WALKER, JR., Bankruptcy Judge.

This matter comes before the Court on the creditors' objections to confirmation. This is a core matter within the meaning of 28 U.S.C. § 157(b)(2)(L). After considering the pleadings, the evidence, and the applicable authorities, the Court enters the following findings of fact and conclusions of law in conformance with Federal Rule of Bankruptcy Procedure 7052.

Findings of Fact

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