OPINION
THOMAS L. PERKINS, Chief Judge.
This matter is before the Court for decision after trial on the adversary complaint of Richard E. Barber, as Chapter 7 Trustee ("TRUSTEE") for the Debtors, Robert and Jolene Johnson, ("DEBTORS"), against First Midwest Bank ("BANK"), to recover monies remaining in an Interest Reserve Account after foreclosure of a failed construction loan.
On March 15, 2003, Robert Johnson ("ROBERT"), a self-employed...
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